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Cowboy State Bank
Ranchester, WY · FDIC Certificate #8725 · Chartered 01/0
Total assets
$50.26M
Total deposits
$44.40M
Total equity
$5.86M
Net loans
$33.59M
Branches (offices)
2
Net income (YTD)
$233.00K
Rank: #4,041 of 4,213 U.S. banks by assets · #22 of 24 in Wyoming. Assets changed -2.2% and deposits -2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 7.85% |
| Net interest margin (YTD) | 6.42% |
| Equity to assets | 11.65% |
| Tier 1 leverage ratio | 12.44% |
| Uninsured deposits (share of deposits) | 5.0% |
| Noncurrent loans (share of loans) | 0.91% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.7% |
| Real estate loans (share of loans) | 85.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $28.83M | 85.8% | |
| Commercial & industrial | $2.00M | 5.9% | |
| Consumer / individual | $1.85M | 5.5% | |
| Construction & development | $2.56M | 7.6% | |
| Agricultural | $1.58M | 4.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $54.01M | $49.16M | $186.00K | $4.78M |
| Jun 2023 | $46.97M | $41.53M | $206.00K | $5.38M |
| Jun 2024 | $47.41M | $41.80M | $247.00K | $5.56M |
| Jun 2025 | $51.37M | $45.38M | $339.00K | $5.95M |
| Jun 2026 | $50.26M | $44.40M | $233.00K | $5.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wyoming | $44.40M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $44.40M.
Similar-sized banks
The Northern State Bank Of Gonvick ($50.57M) · The Donley County State Bank ($49.65M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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