The Cowboy Bank of Texas (FDIC certificate #12298) is based in Maypearl, Texas. Its Q2 2026 call report shows $108.6M in total assets and $88.1M in deposits and 1 office.
Based on its Q2 2026 filing, The Cowboy Bank of Texas scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 138th. Its strongest component is capital cushion (100/100; 17.51%), and its lowest is loan quality (24/100; 2.29%).
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 fell 8 points (85 → 77), mostly because the loan quality component weakened by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 94 |
| Q1 2025 | 83 |
| Q2 2025 | 85 |
| Q3 2025 | 86 |
| Q4 2025 | 94 |
| Q1 2026 | 95 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.13% |
| Q3 2024 | 16.61% |
| Q4 2024 | 16.00% |
| Q1 2025 | 15.84% |
| Q2 2025 | 16.30% |
| Q3 2025 | 16.88% |
| Q4 2025 | 17.06% |
| Q1 2026 | 16.70% |
| Q2 2026 | 17.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.09% |
| Q3 2024 | 2.00% |
| Q4 2024 | 0.20% |
| Q1 2025 | 1.57% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.15% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.14% |
| Q2 2026 | 2.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.25% |
| Q3 2024 | 3.31% |
| Q4 2024 | 2.89% |
| Q1 2025 | 3.12% |
| Q2 2025 | 3.06% |
| Q3 2025 | 3.07% |
| Q4 2025 | 2.90% |
| Q1 2026 | 2.77% |
| Q2 2026 | 2.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $108.6M | 17.51% | 2.29% | 2.74% | 72.4% |
| Q1 2026 | 95 | $109.3M | 16.70% | 0.14% | 2.77% | 76.0% |
| Q4 2025 | 94 | $110.9M | 17.06% | 0.23% | 2.90% | 73.3% |
| Q3 2025 | 86 | $108.1M | 16.88% | 1.15% | 3.07% | 75.5% |
| Q2 2025 | 85 | $106.9M | 16.30% | 1.08% | 3.06% | 76.4% |
| Q1 2025 | 83 | $114.2M | 15.84% | 1.57% | 3.12% | 72.9% |
| Q4 2024 | 94 | $107.6M | 16.00% | 0.20% | 2.89% | 81.2% |
| Q3 2024 | 78 | $107.3M | 16.61% | 2.00% | 3.31% | 84.1% |
| Q2 2024 | 77 | $101.2M | 16.13% | 2.09% | 3.25% | 85.5% |
2,650 peers · $100 million – $1 billion
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens National BankBank Crockett, TX | 80 out of 100, Strong | $108.8M | 12.8% | 0.00% | vs |
| First Capital BankBank Quanah, TX | 69 out of 100, Moderate | $107.3M | 9.6% | 0.70% | vs |
| The First National Bank of AnsonBank Anson, TX | 71 out of 100, Strong | $105.2M | 7.8% | 0.26% | vs |
| The Lytle State Bank of Lytle, TexasBank Lytle, TX | 79 out of 100, Strong | $114.6M | 14.6% | 0.53% | vs |
| The Commercial BankBank Mason, TX | 79 out of 100, Strong | $114.6M | 9.9% | 0.00% | vs |
| The First National Bank of HebbronvilleBank Hebbronville, TX | 87 out of 100, Very strong | $102.0M | 16.5% | 0.47% | vs |
Deposit insurance
Is my money safe at The Cowboy Bank of Texas?
Yes. The Cowboy Bank of Texas is an FDIC-insured institution (FDIC certificate #12298). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.5% of deposits ($15.4M) 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 17.51%, 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%).
1 location
Branches
The Cowboy Bank of Texas lists 1 office in 1 city. Most locations:
- Maypearl, TX (1)
Identity & history
Profile
- Legal name
- The Cowboy Bank of Texas
- Former names
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12298
- RSSD ID
- 370954
- Primary regulator
- FDIC
- Holding company
- Maypearl Bancshares Inc
- Established
- January 1, 1930
- Headquarters
- 100 S Main St, Maypearl, TX 76064
- Website
- www.cowboybank.com
- Employees
- 16
Quick answers
The Cowboy Bank of Texas: common questions
Is The Cowboy Bank of Texas FDIC insured?
Yes. The Cowboy Bank of Texas is an FDIC-insured institution (FDIC certificate #12298). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Cowboy Bank of Texas's TellerScore?
77 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 The Cowboy Bank of Texas ever failed?
There is no failure record for FDIC certificate #12298 in the FDIC failed bank list.
How many branches does The Cowboy Bank of Texas have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Maypearl
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX | 97 out of 100, Very strong | $18.5M | 20.1% | 0.00% | vs |
| First National Bank of BurlesonBank Burleson, TX | 89 out of 100, Very strong | $250.8M | 12.6% | 0.00% | vs |
| The Citizens National Bank of HillsboroBank Hillsboro, TX | 82 out of 100, Strong | $224.4M | 12.5% | 0.28% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |
| Eecu Credit UnionCredit union Fort Worth, TX | 81 out of 100, Strong | $4.9B | 12.7% | 0.45% | vs |
| Texas Exchange BankBank Crowley, TX | 80 out of 100, Strong | $4.5B | 12.4% | 0.00% | vs |