Cowboy Bank

BankKremlin, Oklahoma
www.cowboyfirst.bank

Total Assets

$368.7M

Total Deposits

$321.0M

Branches

5

Established

1900

TFS Health Grade

$
C

74.0 / 100

Average financial health

How we grade

Cowboy Bank is a bank headquartered in Kremlin, Oklahoma, established in 1900. With $368.7M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C (74.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.82%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.46%

Profitability

Return on Assets (ROA)
2.09%(1%)
Return on Equity (ROE)
17.20%(10%)
Net Interest Margin
4.73%
Efficiency Ratio
45.36%(60%)

Lending & Liquidity

Total Loans
$281.8M
Loan-to-Deposit Ratio
86.77%
Net Charge-Off Ratio
-0.09%

Growth

Asset Growth (YoY)
+2.36%
Deposit Growth (YoY)
+2.43%
Net Income
$7.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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