The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 19 points (65 → 84), mostly because the loan quality component improved by 53 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Oklahoma

Yes. Cowboy Bank is an FDIC-insured institution (FDIC certificate #11526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.5% of deposits ($58.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Cowboy Bank lists 8 offices in 5 cities. Most locations:

• Woodward, OK (3)
• Enid, OK (2)
• Drummond, OK (1)
• Goltry, OK (1)
• Kremlin, OK (1)

All branch addresses and map

In 2025, Cowboy Bank reported 55 home-loan applications under HMDA (LEI 254900H43FZ07VEY2T39): 54 originated ($7,880,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Cowboy Bank

Former names

The Bank of Kremlin

Type

State-chartered bank (Fed member)

FDIC certificate #

11526

RSSD ID

883959

Primary regulator

FED

Holding company

Cowboy Bancshares Llc

Established

May 1, 1900

Headquarters

102 6th St, Kremlin, OK 73753

Website

www.cowboyfirst.bank

Employees

41