# COWBOY BANK
KREMLIN, OK · FDIC certificate 11526 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $350.3M | |
| Deposits | $297.7M | |
| Loans and leases | $257.3M | |
| Total equity | $48.5M | |
| Loans / deposits | 85.35% (p60 of band) | 82.04% |
| Liquid assets / assets | 18.76% (p28 of band) | |
| Uninsured deposits / deposits | 19.47% (p27 of band) | 25.97% |
| Brokered deposits | 0.73% | |
| Wholesale funding | 1.60% (p39 of band) | |
| FHLB advances / assets | 0.86% | |
| Tier 1 leverage | 12.72% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -3.59% (p69 of band) | -8.10% |
| AOCI / equity | 0.23% (p88 of band) | |
| ROA (annualized) | 2.62% (p96 of band) | 1.28% |
| Net interest margin | 5.04% (p94 of band) | 3.91% |
| Efficiency ratio | 39.82% (p5 of band) | |
| Noncurrent loans | 0.49% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 256.65% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 7.31% (p11 of band) | |
| Auto loans | $3.0M (1.18% of loans; DQ 0.16%, NCO 0.02%) | |
| Loans to nondepository financials | $12.4M (26% of equity) (p98 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 41 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 2 |  | reserve under noncurrent |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 1 | capital falling | charge-offs p90 |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, reserve under noncurrent |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 | charge-offs p90 | capital falling |
| 2017-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2020-03 | 2 | capital falling | NIM <2.5% |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | reserve under noncurrent |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | uninsured deposits leaving |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 2 |  | uninsured deposits leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | deposits shrinking, assets shrinking |  |
| 2025-09 | 3 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2025-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [After decades in Woodward, Stock Exchange Bank plans merger with Cowboy Bank - Woodward News](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQbzA3M1pRczZzZTFOTk1HTnhkS1prcnJweU1NWHA1NDFKenBXSGw4TTNaaGx5cERYVFY5a21MajdrMjhxMUZRNHdBUWo4UlBNakFqZGdGc1VHNENiVTlaYlpEZmwwWE44RjVVTUpzMUxOZ0xmbVZBV05VVTFEWUVqZVFZN1FGdGg4cnpmbWhubWRrTThhZ05HWXUtNFdrOWg0SHNzUjIyR2FHQnNnMy1jaGlsR1piX3JEa1psMlNld250dUZHSktsbGtMSTlrNlA1d1h1c3NTZ2J0N0piQlpMRWVHMjM5WWdkVnJOZlhYZ28?oc=5) · Woodward News
- 2025-01-16 [Infamous Oklahoma bank robber to be featured in Broadway show - koco.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPRjR1X0dJanB5TEZ5UzZhMDY0MDVqZ2drRnp0b0JJQkRfY1VGa3R4S1RQSWw3RXMtZVJ1VE1KeEZGN1F2c1ZCUnhxbzhmVmhYWDlCdXB4d19VOFMyQ3BSTlZXS2VOR1Z2cFYteDA4SU9EV1FfRjUxdFdEMkR5SldhdnRUSDZ3RXJBdXkwU3MzVnFxVUM1eHFmNlB1STFaWXdXRy0xX3EzdTQ?oc=5) · koco.com
- 2026-03-14 [Raedene Peck Obituary March 14, 2026 - ladusauevans.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE8xc1lMa1JGNGxhekQ1RXZYMmI5Q29XY0ZFclNmbjhHLUJNQkhNQWNCU1JVNFZqSzBpRHdmdlIyRS0tRnpqd2JxeXdCNVdEUmxvUDJQYkxPcUdIOUpOWFdBQWpn?oc=5) · ladusauevans.com
- 2020-05-26 ['Criminal' podcast tackles the wild Texas tale of bank robber 'Cowboy Bob' - Dallas News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQY21BWDFfazlhY2ZtTW5sbHkyWF9Uck5rWkZYQlgyNmIwa0kwQkYteDVqWFpmLXp6RV9jZlZNcGVvZHpILWk4akdLT1I1ZXZkYUFFYk9zWTRKUTJjNnBibDBzb0Q0OXVKN29JSFhVMUdRbFI0N2RoTDBoRU1GRDhvdk5ycGxwRkwtUjZjZGpiRC13eXM2dUdhTDdXLWpibUtrMUVEd25ocnpPamZPMWxkZnA4ZXZhczFwTUlnc3hrSDZ2cTFidWVSY25TNHVBQ2ZmcnFnU3dsVQ?oc=5) · Dallas News
- 2025-05-02 ['Dead Outlaw,' inspired by infamous Oklahoma cowboy, nominated for 7 Tonys - koco.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQdko0Zml6OXU2MGJFV3ZKTml6MlNpS19MT3hiQU1DU29HbTk0UVYzXzVCTlIyZTAzZ19kMllIOUl2T2EtS0RIalBMLTU2S3IyTDREeVNkMDVyT2VScUI1cmw3Vm85WXRDb2ZqOXd2V29Ed0hzUWRMVm9CQjl3UndPOWtDMWJST2Q2T3FVOEQ0RXBqcU5OQWhkNWln?oc=5) · koco.com
- 2017-05-17 [This Bandera Bank Might Be the Most Cowboy Bank in Texas - Wide Open Country](https://news.google.com/rss/articles/CBMibkFVX3lxTE1jSXNyV0MyTkkzY015b29zNkFhR0VWZUNWZDdFb1NjTjNvTTBleFpqaGptWGNoMXl5anVhbElxekQwT2xEM21iTHBZbnhQaFVYeERMMG9nUVZ4LXNBVHVKend3aUJITFZaOTk4UEZB?oc=5) · Wide Open Country
- 2024-06-30 [14-year-old charged with murder after deadly Enid police chase - koco.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOYTZVeWZuZGRVZ2FlU29EY0ZhM1pRYjZiVnJvYnptWllTUC1LT19STHdZcG05aUtPSXVEU3JKYmNsSll1QllpUExVb0syZVZkdG9yaUJaQXBXbE5YVWRDeUhnY016TVJGTFh0Tml3eDBXejRTZFhRM3EzNnRVa2pJc0dQaEFnOXZIS1VBNA?oc=5) · koco.com
- 2014-07-21 [ANDREA HOLLISTER - Woodward News](https://news.google.com/rss/articles/CBMimAFBVV95cUxQRzk3b3cyWUVfaTVIZkdUV0pYZXA5dmJYMlFad3Z3UE85Zk85OUNENDFISTdaVW0wazRWU24tME1PZ01MbVZ2RXJWNkpIT21SVUV5c0drN1N0WVJ3bkZ4Rl9fUDJtVE1sY3RqTzFoMC1vRG9odWRWcXZTMEotQXBxX1d3cHc3Q0thb1kyNENWT2tuOU93X1dUVg?oc=5) · Woodward News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11526 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "11526", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide