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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Kremlin, OK · FDIC certificate #11526
COWBOY BANK is an FDIC-insured institution based in Kremlin, OK (FDIC certificate #11526). In its Q3 2026 Call Report it reported total assets of $638M, total deposits of $567M and net loans of $388M. Its primary federal regulator is FED.
Plain-language readout
COWBOY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $638M in Q3 2026 and were lowest at $350M in Q2 2026.
Total deposits were highest at $567M in Q3 2026 and lowest at $298M in Q2 2026.
Over the whole period total assets rose 72.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $638M | $567M | $388M | 2.27% | 19.47% | 4.46% |
| Q2 2026 | $350M | $298M | $254M | 2.62% | 20.57% | 5.04% |
| Q1 2026 | $369M | $319M | $274M | 2.59% | 21.23% | 4.98% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $34.4M | $38.2M | -$3.8M | -9.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $31.4M | $31.3M | +$78K | +0.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $254.1M | $273.7M | -$19.6M | -7.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.5M | $5.6M | -$69K | -1.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $3.2M | $3.4M | -$239K | -7.0% |
| All other assets | $21.8M | $17.1M | +$4.7M | +27.4% |
| Total assets | $350.3M | $369.3M | -$19.0M | -5.1% |
| Liabilities | ||||
| Total deposits | $297.7M | $319.2M | -$21.5M | -6.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.0M | $3.2M | -$127K | -4.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.0M | $749K | +$258K | +34.4% |
| Total liabilities | $301.8M | $323.1M | -$21.3M | -6.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $110K | $110K | $0K | 0.0% |
| Surplus | $37.2M | $37.2M | $0K | 0.0% |
| Retained earnings | $13.0M | $10.6M | +$2.4M | +22.2% |
| Accumulated other comprehensive income | -$1.7M | -$1.8M | +$18K | +1.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $48.5M | $46.2M | +$2.4M | +5.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $1.5M | -$264K | -17.4% |
| Adjusted nonperforming assets | $1.3M | $1.5M | -$264K | -17.4% |
| Tangible equity plus allowance | $48.6M | $46.0M | +$2.6M | +5.7% |
| Texas ratio (gross) | 2.58% | 3.30% | -0.72 pts | See points |
| Texas ratio (adjusted) | 2.58% | 3.30% | -0.72 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.58% | 3.30% | -0.72 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.72% | 11.95% | +0.78 pts | See points |
| Construction and land loans to total capital | 7.05% | 6.89% | +0.16 pts | See points |
| Commercial real estate to total capital | 109.34% | 120.50% | -11.16 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.70% | -3.96% | +0.26 pts | See points |
| Liquidity | ||||
| Core deposits | $283.7M | $287.6M | -$3.9M | -1.4% |
| Non-core funding | $17.1M | $34.7M | -$17.6M | -50.8% |
| Loans to core deposits | 90.71% | 96.29% | -5.58 pts | See points |
| Loans to deposits | 86.43% | 86.77% | -0.34 pts | See points |
| Brokered deposits share of deposits | 0.86% | 6.32% | -5.45 pts | See points |
| Pledged securities share of securities | 49.42% | 52.11% | -2.70 pts | See points |
| Loans pledged, share of loans | 27.53% | 29.51% | -1.98 pts | See points |
| Volatile liabilities | $23.9M | $42.3M | -$18.4M | -43.5% |
| Earnings | ||||
| Earnings before provision, year to date | $5.0M | $2.5M | +$2.5M | +97.7% |
| Earnings before provision, single quarter | $2.5M | $2.5M | -$57K | -2.3% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.99% | 6.97% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 2.96% | 2.94% | +0.03 pts | See points |
| Total interest income to average assets | 5.74% | 5.82% | -0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.15% | 0.15% | +0.00 pts | See points |
| Cost of savings and money market deposits | 2.78% | 2.80% | -0.02 pts | See points |
| Cost of time deposits | 3.10% | 3.12% | -0.02 pts | See points |
| Total interest expense to average assets | 1.31% | 1.37% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $638M | $567M | $388M | 2.27% | 19.47% | 4.46% |
| 2026-06-30 | $350M | $298M | $254M | 2.62% | 20.57% | 5.04% |
| 2026-03-31 | $369M | $319M | $274M | 2.59% | 21.23% | 4.98% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $289.1M | 0.20% | 81 | Continuing · -0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.