# COWBOY BANK OF TEXAS
MAYPEARL, TX · FDIC certificate 12298 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $108.6M | |
| Deposits | $88.1M | |
| Loans and leases | $64.4M | |
| Total equity | $18.6M | |
| Loans / deposits | 72.36% (p48 of band) | 73.59% |
| Liquid assets / assets | 37.87% (p59 of band) | |
| Uninsured deposits / deposits | 17.51% (p41 of band) | 19.81% |
| Brokered deposits | 1.83% | |
| Wholesale funding | 3.21% (p66 of band) | |
| FHLB advances / assets | 1.38% | |
| Tier 1 leverage | 17.51% (p86 of band) | 11.76% |
| Unrealized securities loss / equity | -1.66% (p72 of band) | -6.57% |
| AOCI / equity | -0.77% (p33 of band) | |
| ROA (annualized) | 2.74% (p95 of band) | 1.17% |
| Net interest margin | 4.67% (p82 of band) | 3.93% |
| Efficiency ratio | 47.83% (p10 of band) | |
| Noncurrent loans | 2.29% (p88 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 43.63% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 128.63% (p97 of band) | |
| Auto loans | $347,000 (0.54% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 2 | capital falling, construction >100% equity |  |
| 2012-06 | 2 | reserve under noncurrent | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | construction >100% equity |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | construction >100% equity | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | deposits shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, reserve under noncurrent |  |
| 2022-06 | 1 |  | capital falling, reserve under noncurrent |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | reserve under noncurrent |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking |  |
| 2023-06 | 6 | noncurrent p90, uninsured deposits leaving |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 5 |  | uninsured deposits leaving |
| 2024-06 | 2 |  | deposits shrinking, assets shrinking, noncurrent p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | reserve under noncurrent |
| 2025-03 | 3 | capital falling, reserve under noncurrent |  |
| 2025-06 | 1 |  | capital falling, reserve under noncurrent |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2026-06 | 3 | reserve under noncurrent | deposits shrinking |

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

- 2019-08-23 [David Wilemon Obituary (1937 - 2019) - Dallas, NY - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNMGpiVUNxakpEWWFuclQxdEdGZGdBV0VkeVpCTTN3SFJ1a2hlMTJRb2x2S0d6RGRHM1djQ0ZKcmY0LXYwZUt6S2pnVDBNYUJYV3N4R0RQQ2FPeVRMVzQ0UlhNTFBYdGROSVNoRWtULWVfOHEtRl9YTzVBT2JkMTZhdlpTaUFCSDRDeXBNOWtZcTVVRXVGa2tTSlFoMnJHMzA0?oc=5) · Dallas News
- 2019-08-18 [David Wilemon Obituary (1937 - 2019) - Maypearl, NY - Syracuse.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPa2tHZGI1SFZfdEdLVWZhSG00SHhodHlfaHEwNmFRdzM3anR2UGE2UXFOOXVBWlFEdV9RMkVIZVpHdVNHNEx0bXlYOUV4MWlFQ3R5a2xhQ05qVm9NMW9jYmlXeWhxOXhBbGZ6N1ZfaENELUtWZVk5SkpiSEN5RXE2TXZ1ZXdtdldHQy1HWEtXeGRsVFE?oc=5) · Syracuse.com
- 2020-10-10 [Maypearl: A growing city eager for completion of a local park - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTk1jMDVWdWkyU0twT1hlRkVTZTRHeXhrNEZza0xRUGF6Y2xxQUgwQXdvRVktbENYTzFvWVdSUE90QUNyb2l5akx5X0xSSzZZSnQtVElYTU5qU3FwZjR3MlVPZmc1ekZCOGNRU3FHcHNsT3lXaHhUcEViUFFOYmNPdWhNeWtsTk4xU0s0ZlZPenB3cGFubjRoY2Q2T3p1S2UtR1JZ?oc=5) · Lubbock Avalanche-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12298 (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/10.json (key "12298", 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