The Cowboy Bank of Texas: how it compares with its peers
Against 90 TX banks with half to twice its assets, The Cowboy Bank of Texas's strongest measure in Q2 2026 is return on assets (2.74% vs. a 1.33% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $6.0M).
| Measure | The Cowboy Bank of Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.74% | 1.33% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.67% | 4.12% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.83% | 65.34% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.0M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.36% | 57.10% | Context |
What it means for lending operations
Its efficiency ratio of 47.83% is better than the 65.34% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens National Bank Crockett, TX · $109M
- First Capital Bank Quanah, TX · $107M
- The First National Bank of Anson Anson, TX · $105M
- The Lytle State Bank of Lytle, Texas Lytle, TX · $115M
- The Commercial Bank Mason, TX · $115M
- The First National Bank of Hebbronville Hebbronville, TX · $102M
Questions about The Cowboy Bank of Texas
How big is The Cowboy Bank of Texas?
The Cowboy Bank of Texas, established in 1930, is headquartered in Maypearl, TX. It reported $109M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Cowboy Bank of Texas's return on assets?
2.74% annualized in Q2 2026, against a 1.33% median for 90 TX banks with half to twice its assets, ahead of 97% of them.
What is The Cowboy Bank of Texas's efficiency ratio?
47.83% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 65.34%, and lower is better.
Is The Cowboy Bank of Texas growing its loans?
Net loans shrank 4.7% over the year to Q2 2026, while deposits grew 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.