Cowboy State Bank: how it compares with its peers
Against 519 U.S. banks with half to twice its assets, Cowboy State Bank's strongest measure in Q2 2026 is net interest margin (6.42% vs. a 3.86% peer median). Its weakest relative measure is assets per employee ($2.8M vs. $6.1M).
| Measure | Cowboy State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.03% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.42% | 3.86% | Top third Ahead of 99% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.64% | 69.84% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.8M | $6.1M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.66% | 66.23% | Context |
What it means for lending operations
Its efficiency ratio of 84.64% is above the 69.84% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Northern State Bank of Gonvick Gonvick, MN · $51M
- Benton County State Bank Blairstown, IA · $51M
- Peoples Bank of Deer Lodge Deer Lodge, MT · $51M
- Rayne Building and Loan Association Rayne, LA · $51M
- The State Exchange Bank Mankato, KS · $51M
- The Donley County State Bank Clarendon, TX · $50M
Questions about Cowboy State Bank
How big is Cowboy State Bank?
Cowboy State Bank, established in 1912, is headquartered in Ranchester, WY. It reported $50M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Cowboy State Bank's return on assets?
0.91% annualized in Q2 2026, against a 1.03% median for 519 U.S. banks with half to twice its assets, ahead of 44% of them.
What is Cowboy State Bank's efficiency ratio?
84.64% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 69.84%, and lower is better.
Is Cowboy State Bank growing its loans?
Net loans grew 0.0% over the year to Q2 2026, while deposits shrank 2.2%.
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 U.S. 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 Wyoming bank ranked.