Side-by-side · Q2 2026 data
Cleo State Bank vs Cowboy Bank
Metric by metric
| Measure | Cleo State Bank | Cowboy Bank |
|---|---|---|
| TellerScore | 80 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 29 | 84 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 92 (stronger) | 70 |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 77th | 86th |
| Total assets | $122.5M | $350.3M |
| Deposits / shares | $103.9M | $297.7M |
| Capital ratio | 16.43% (stronger) | 12.72% |
| Problem loans | 2.12% | 0.49% (stronger) |
| Net charge-offs | 0.32% | 0.01% (stronger) |
| Return on assets | 2.29% | 2.62% (stronger) |
| Loans ÷ deposits | 65.0% (stronger) | 85.3% |
| Uninsured deposits | 17.7% (stronger) | 19.5% |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Cowboy Bank has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Cleo State Bank leads on 3 and Cowboy Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.