No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $350.3M | $297.7M | $254.1M | $48.5M | $4.7M | 2.62% | 5.04% | 0.36% |
| Q1 2026 | $369.3M | $319.2M | $273.7M | $46.2M | $2.4M | 2.59% | 4.98% | 0.41% |
| Q4 2025 | $368.7M | $321.0M | $278.6M | $43.7M | $7.4M | 2.09% | 4.73% | 0.35% |
| Q3 2025 | $351.1M | $300.5M | $251.4M | $46.0M | $4.9M | 1.85% | 4.63% | 0.31% |
| Q2 2025 | $337.1M | $289.1M | $247.7M | $43.4M | $2.8M | 1.62% | 4.65% | 1.54% |
| Q1 2025 | $359.6M | $302.6M | $267.6M | $42.6M | $2.0M | 2.25% | 4.51% | 1.44% |
| Q4 2024 | $360.2M | $313.4M | $263.2M | $40.4M | $7.1M | 1.96% | 4.46% | 1.44% |
| Q3 2024 | $371.1M | $320.1M | $241.9M | $44.2M | $5.5M | 2.02% | 4.50% | 1.45% |
Loan mix (Q2 2026): real estate $144.8M · commercial $38.6M · consumer $6.4M · securities $31.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cowboy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.62% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 20.6% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 62.9% | 3th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cowboy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cowboy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cowboy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cowboy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.