Side-by-side · Q2 2026 data
Cowboy State Bank vs First Federal Bank & Trust
Metric by metric
| Measure | Cowboy State Bank | First Federal Bank & Trust |
|---|---|---|
| TellerScore | 70 (stronger) | 40 |
| Capital cushion | 74 (stronger) | 61 |
| Loan quality | 70 (stronger) | 0 |
| Earnings | 56 (stronger) | 47 |
| Funding & liquidity | 85 (stronger) | 43 |
| Problem-loan coverage | 64 (stronger) | 56 |
| Peer percentile | 40th | 2nd |
| Total assets | $50.3M | $621.1M |
| Deposits / shares | $44.4M | $551.9M |
| Capital ratio | 12.44% (stronger) | 11.05% |
| Problem loans | 0.91% (stronger) | 3.29% |
| Net charge-offs | 0.00% (stronger) | 0.39% |
| Return on assets | 0.91% (stronger) | 0.68% |
| Loans ÷ deposits | 75.7% (stronger) | 86.8% |
| Uninsured deposits | 5.0% (stronger) | 42.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cowboy State Bank has the higher TellerScore (70 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Cowboy State Bank leads on 7 and First Federal Bank & Trust on 0. 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.