| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.4 pts |
| Loan growth (YoY) | -4.7% | +5.6% | -10.3 pts |
| ROA | 2.74% | 1.24% | +1.5 pts |
| ROE | 16.3% | 11.9% | +4.4 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.6M | $88.1M | $63.7M | $18.6M | $1.5M | 2.74% | 4.67% | 1.88% |
| Q1 2026 | $109.3M | $89.2M | $67.8M | $18.1M | $763K | 2.77% | 4.66% | 0.58% |
| Q4 2025 | $110.9M | $90.5M | $66.3M | $18.5M | $3.2M | 2.90% | 5.05% | 1.03% |
| Q3 2025 | $108.1M | $88.0M | $66.5M | $18.0M | $2.5M | 3.07% | 5.08% | 1.96% |
| Q2 2025 | $106.9M | $87.6M | $66.9M | $17.3M | $1.7M | 3.06% | 5.06% | 1.61% |
| Q1 2025 | $114.2M | $95.6M | $69.8M | $16.6M | $865K | 3.12% | 5.03% | 0.97% |
| Q4 2024 | $107.6M | $87.6M | $71.1M | $16.7M | $3.0M | 2.89% | 5.29% | 0.13% |
| Q3 2024 | $107.3M | $87.1M | $73.3M | $16.8M | $2.6M | 3.31% | 5.28% | 1.37% |
Loan mix (Q2 2026): real estate $60.8M · commercial $54K · consumer $2.9M · securities $14.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Cowboy Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.74% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.8% | 62.9% | 12th |
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 | The Cowboy Bank of Texas | 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 | The Cowboy Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Cowboy Bank of Texas | 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 | The Cowboy Bank of Texas | 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 | The Cowboy Bank of Texas | 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.
Technology spend up 28% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $88.1M branch deposits. Biggest market: Ellis, TX, ranked 12th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ellis, TX | 1 | $88.1M | 2.08% | 12th |
Texas: 542nd with 0.01% · Dallas-Fort Worth-Arlington metro: 170th, 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1