Side-by-side · Q2 2026 data
ACB Bank vs Cowboy Bank
Metric by metric
| Measure | ACB Bank | Cowboy Bank |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 72 | 77 (stronger) |
| Loan quality | 41 | 84 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 61 | 70 (stronger) |
| Problem-loan coverage | 80 | 95 (stronger) |
| Peer percentile | 26th | 86th |
| Total assets | $135.5M | $350.3M |
| Deposits / shares | $114.8M | $297.7M |
| Capital ratio | 12.24% | 12.72% (stronger) |
| Problem loans | 1.77% | 0.49% (stronger) |
| Net charge-offs | 1.06% | 0.01% (stronger) |
| Return on assets | 1.40% | 2.62% (stronger) |
| Loans ÷ deposits | 88.4% | 85.3% (stronger) |
| Uninsured deposits | 24.2% | 19.5% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Cowboy Bank has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), ACB Bank leads on 0 and Cowboy Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.