Cowboy State Bank

Overview / Commentary

onlinebanking.cowboystatebank.com

307-655-2291

515 Dayton Street
Ranchester, WY 82839

Cowboy State Bank is headquartered in Ranchester and is the 28^th largest bank in the state of Wyoming. It is also the 4,994^th largest bank in the nation. It was established in 1912 and as of December of 2018, it had grown to 15 employees at 2 locations. Cowboy State Bank has a C+ health rating.

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Health

C+

Data as of Q4 2018

Learn why bank health matters

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 Established	1912
Employees	15
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	-1.11%
Return on Equity - YTD	-13.81%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$46.9MM$46.0MM
Loans	Q4 2018vs Q4 2017	$29.6MM$28.0MM
Deposits	Q4 2018vs Q4 2017	$42.3MM$42.0MM
Equity Capital	Q4 2018vs Q4 2017	$3.5MM$3.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$421.00K$427.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$0$0
Real Estate Owned	Q4 2018vs Q4 2017	$204.00K$267.00K

Rates

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Savings
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$100k^*	$10m	Business 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

APY	MIN	MAX	ACCOUNT NAME
3.04%	-	$15k	Cowboy Rewards Checking
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Bank	515 Dayton Street	Ranchester, WY 82839
951 Coffeen Avenue Branch	232 E Grinnell St	Sheridan, WY 82801

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