# COWBOY STATE BANK
RANCHESTER, WY · FDIC certificate 8725 · asset band <$300M · 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 | $50.3M | |
| Deposits | $44.4M | |
| Loans and leases | $34.3M | |
| Total equity | $5.9M | |
| Loans / deposits | 75.66% (p54 of band) | 73.59% |
| Liquid assets / assets | 23.91% (p30 of band) | |
| Uninsured deposits / deposits | 5.05% (p4 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.44% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -16.17% (p28 of band) | -6.57% |
| AOCI / equity | -9.91% (p0 of band) | |
| ROA (annualized) | 0.91% (p35 of band) | 1.17% |
| Net interest margin | 6.42% (p99 of band) | 3.93% |
| Efficiency ratio | 84.64% (p85 of band) | |
| Noncurrent loans | 0.91% (p68 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 239.87% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 43.71% (p75 of band) | |
| Auto loans | $625,000 (1.82% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2025-03-26 [Four US banks sign for DCI’s iCore360 core banking tech - FinTech Futures](https://news.google.com/rss/articles/CBMirwFBVV95cUxQVnA2QmRNQ3ExZnBKX09yd0FkT3dIYVp0VWpOMW1LTU1LTm9TUjZvdF8tNjB1NTNMVnR2RFBZZC13cXFhQTF1WlMyZXFwYTMxTjQ5S2JKd3RiQkVZbG5qMGZNY0hjTDZwMHItbjBfdUc3Z0hhRWVORHVsczg0LU1Sd2JjMjlsRjQyRnFKZnhnV3VudHhIU0p0a1JFbUlKTV9hdDl0Uk9CV3BzNDE3dDA4?oc=5) · FinTech Futures
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- 2024-12-12 [Ronald Gene Reece Obituary (2024) - Sheridan, WY - Kane Funeral Home - Sheridan - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOSWpxVlFwc2Y3LXlnbzZvbHpmU2hVenZfQ0YyM21MU3Jsak0zNmE4NjhCSjdpdnBhMkZ1NGw4dmRNcWp1b0pPNVVDcE9UODRVNFp1dUF3Y1pvQTBYRmM5WFk5Z1pjSmhrNjdaVU5Ed1FxTDBnbGFsQkN0a29HRVJSaA?oc=5) · legacy.com
- 2024-12-13 [Ronald Reece - Sheridan Media](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1nRzFDTmFUYnRhVUpJSmRNcjE4NldvU3ZlSkRuTS1JOHBsLUpXUlJ1b2VTTzdMRzJGVERfZ1NYQU84VUFaRERXWVhjejZxYkRhYW5QVU5fbE5hU1B6eDBROA?oc=5) · Sheridan Media
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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8725 (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/21.json (key "8725", 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