Side-by-side · Q2 2026 data
Cowboy Bank vs The First State Bank of Pond Creek, Oklahoma
Bank
The First State Bank of Pond Creek, Oklahoma
Pond Creek, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Cowboy Bank | The First State Bank of Pond Creek, Oklahoma |
|---|---|---|
| TellerScore | 84 (stronger) | 83 |
| Capital cushion | 77 | 78 (stronger) |
| Loan quality | 84 | 89 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 70 (stronger) | 62 |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 86th | 73rd |
| Total assets | $350.3M | $55.5M |
| Deposits / shares | $297.7M | $47.9M |
| Capital ratio | 12.72% | 12.78% (stronger) |
| Problem loans | 0.49% | 0.32% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 2.62% (stronger) | 1.96% |
| Loans ÷ deposits | 85.3% (stronger) | 96.6% |
| Uninsured deposits | 19.5% | 16.2% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Cowboy Bank has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Cowboy Bank leads on 4 and The First State Bank of Pond Creek, Oklahoma on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.