Side-by-side · Q2 2026 data
Cowboy Bank vs Citizens Bank of Ada
Metric by metric
| Measure | Cowboy Bank | Citizens Bank of Ada |
|---|---|---|
| TellerScore | 84 (stronger) | 73 |
| Capital cushion | 77 (stronger) | 45 |
| Loan quality | 84 (stronger) | 77 |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 86th | 53rd |
| Total assets | $350.3M | $353.7M |
| Deposits / shares | $297.7M | $310.7M |
| Capital ratio | 12.72% (stronger) | 9.50% |
| Problem loans | 0.49% (stronger) | 0.68% |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 2.62% (stronger) | 1.81% |
| Loans ÷ deposits | 85.3% | 60.8% (stronger) |
| Uninsured deposits | 19.5% (stronger) | 27.7% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Cowboy Bank has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Cowboy Bank leads on 5 and Citizens Bank of Ada on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.