Cowboy State Bank


515 Dayton Street
Ranchester, WY 82839
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.20% 0.70% →
2-Year CD 0.35% 0.75% →
5-Year CD 1.00% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Cowboy State Bank is an FDIC insured institution located in Ranchester, WY. It was founded in 1912 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 8725
Date Established 1912
Assets $ 53.95 million
Loans $ 25.05 million
Deposits $ 48.55 million
Capital $ 4.38 million

For a more detailed analysis of Cowboy State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 13, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.12% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.08% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 13, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Cowboy State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.686% 2.625%
0.75 points
$2,008 fees
$1,005 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.368% 3.250%
1.00 points
$3,750 fees
$1,089 Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875%
0.88 points
$2,268 fees
$1,038 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Cowboy State Bank
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Cowboy State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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San Diego,California

Cowboy State Bank Locations

Financial Details

Cowboy State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cowboy State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cowboy State Bank U.S. Bank Average
2.68% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, Cowboy State Bank had $130,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,380,000 in equity and $467,000 in loans loss reserves. That gives it a Texas Ratio of 2.68%.

Return on Equity
Cowboy State Bank U.S. Bank Average
8.45% 9.24%

Cowboy State Bank has a Return on Equity of 8.45% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Cowboy State Bank U.S. Bank Average
8.12% 11.96%

Cowboy State Bank has a Capitalization of 8.12% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cowboy State Bank Balance Sheet Analysis

As of December 31, 2020, Cowboy State Bank had assets of $53,953,000, loans of $25,053,000, and deposits of $48,552,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions $ 14.96 million
Interest-bearing balances $ 13.26 million
Total securities $ 9.67 million
Federal funds sold and reverse repurchase $ 0.08 million
Net loans and leases $ 25.05 million
Loan loss allowance $ 0.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.85 million
     Total Assets $ 49.57 million
Total deposits $ 48.55 million
      Interest-bearing deposits $ 40.39 million
      Deposits held in domestic offices $ 48.55 million
      % insured (estimated) 90.45%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.00 million
Subordinated debt N.A.
All other liabilities $ 0.02 million
      Total Liabilities $ 49.57 million
      Shareholders’ Equity $ 4.38 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 2.41 million
Total Interest Expense $ 0.27 million
Net interest income $ 2.14 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.09 million
Total non interest expense $ 1.89 million
Pre-tax Net Operating Income $ 0.34 million

Bank Loan Profile?

The top three loan types in Cowboy State Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Farm Loans.

Compared to other banks in Wyoming, Cowboy State Bank has a significantly higher percent of Small Business Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.52
Credit Card Loans 0.00
Consumer Auto Loans 3.70
Small Business Loans 29.11
Construction and Development Loans 6.59
Commercial Real Estate 33.73
Commercial and Industrial Loans 5.67
Farm Loans 19.98

Frequently Asked Questions About Cowboy State Bank

Branches and Savings

Is Cowboy State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8725.

Why does Cowboy State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cowboy State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cowboy State Bank a commercial bank?


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Does Cowboy State Bank require US citizenship to open account?

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Does Cowboy State Bank offer mortgages?

Compare mortgage rates here.

Does Cowboy State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cowboy State Bank offer personal loans?

Compare personal loan rates here.

Does Cowboy State Bank offer student loans?

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Background on The Bank

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