Cowboy State Bank (FDIC certificate #8725) is based in Ranchester, Wyoming. Its Q2 2026 call report shows $50.3M in total assets and $44.4M in deposits and 2 offices.
Based on its Q2 2026 filing, Cowboy State Bank scores 70/100, which we describe as strong. That is higher than only 40% of 546 banks with under $100 million in assets. Among 24 banks headquartered in Wyoming, it ranks 18th. Its strongest component is funding & liquidity (85/100; 76% loans-to-deposits, 5% uninsured), and its lowest is earnings (56/100; 0.91%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (57 → 70), mostly because the loan quality component improved by 63 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 51 |
| Q4 2024 | 43 |
| Q1 2025 | 56 |
| Q2 2025 | 57 |
| Q3 2025 | 57 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.33% |
| Q3 2024 | 12.21% |
| Q4 2024 | 10.98% |
| Q1 2025 | 11.65% |
| Q2 2025 | 11.91% |
| Q3 2025 | 12.03% |
| Q4 2025 | 11.58% |
| Q1 2026 | 11.85% |
| Q2 2026 | 12.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.23% |
| Q3 2024 | 5.64% |
| Q4 2024 | 4.50% |
| Q1 2025 | 2.85% |
| Q2 2025 | 2.79% |
| Q3 2025 | 2.73% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.91% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.08% |
| Q4 2024 | 0.41% |
| Q1 2025 | 1.35% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.18% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $50.3M | 12.44% | 0.91% | 0.91% | 75.7% |
| Q1 2026 | 77 | $52.0M | 11.85% | 0.04% | 0.93% | 73.6% |
| Q4 2025 | 77 | $52.0M | 11.58% | 0.00% | 0.92% | 73.2% |
| Q3 2025 | 57 | $53.0M | 12.03% | 2.73% | 1.18% | 72.8% |
| Q2 2025 | 57 | $51.4M | 11.91% | 2.79% | 1.32% | 74.0% |
| Q1 2025 | 56 | $51.1M | 11.65% | 2.85% | 1.35% | 72.6% |
| Q4 2024 | 43 | $51.7M | 10.98% | 4.50% | 0.41% | 73.0% |
| Q3 2024 | 51 | $50.3M | 12.21% | 5.64% | 1.08% | 75.8% |
| Q2 2024 | 53 | $47.4M | 12.33% | 4.23% | 1.06% | 73.5% |
546 peers · Under $100 million in assets
How it compares with peers
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 Wyoming
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 2unifi BankBank Jackson, WY | 93 out of 100, Very strong | $38.5M | 38.4% | 0.00% | vs |
| Farmers State BankBank Pine Bluffs, WY | 81 out of 100, Strong | $35.4M | 10.9% | 0.00% | vs |
| Summit National BankBank Hulett, WY | 45 out of 100, Below average | $65.9M | 2.5% | 0.46% | vs |
Deposit insurance
Is my money safe at Cowboy State Bank?
Yes. Cowboy State Bank is an FDIC-insured institution (FDIC certificate #8725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 5.0% of deposits ($2.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.65% (benchmark: 10%).
2 locations
Branches
Cowboy State Bank lists 2 offices in 2 cities. Most locations:
- Ranchester, WY (1)
- Sheridan, WY (1)
Identity & history
Profile
- Legal name
- Cowboy State Bank
- Former names
- Ranchester State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 8725
- RSSD ID
- 544951
- Primary regulator
- FED
- Holding company
- Cowboy State Bcorp Inc
- Established
- January 1, 1912
- Headquarters
- 515 Us Highway 14, Ranchester, WY 82839
- Website
- www.cowboystatebank.com
- Employees
- 18
Quick answers
Cowboy State Bank: common questions
Is Cowboy State Bank FDIC insured?
Yes. Cowboy State Bank is an FDIC-insured institution (FDIC certificate #8725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cowboy State Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cowboy State Bank ever failed?
There is no failure record for FDIC certificate #8725 in the FDIC failed bank list.
How many branches does Cowboy State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ranchester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cit-Co Federal Credit UnionCredit union Sheridan, WY | 80 out of 100, Strong | $32.9M | 10.4% | 0.51% | vs |
| Campco Federal Credit UnionCredit union Gillette, WY | 77 out of 100, Strong | $227.6M | 11.5% | 0.45% | vs |
| Security State BankBank Basin, WY | 71 out of 100, Strong | $449.1M | 10.4% | 0.22% | vs |
| Buffalo Federal BankBank Buffalo, WY | 70 out of 100, Strong | $202.6M | 10.4% | 0.67% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |
| Sheridan Community Federal Credit UnionCredit union Sheridan, WY | 65 out of 100, Moderate | $105.0M | 10.8% | 1.42% | vs |