Side-by-side · Q2 2026 data
Cowboy State Bank vs Summit National Bank
Metric by metric
| Measure | Cowboy State Bank | Summit National Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 45 |
| Capital cushion | 74 (stronger) | 0 |
| Loan quality | 70 | 85 (stronger) |
| Earnings | 56 (stronger) | 0 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 64 | 85 (stronger) |
| Peer percentile | 40th | 6th |
| Total assets | $50.3M | $65.9M |
| Deposits / shares | $44.4M | $64.0M |
| Capital ratio | 12.44% (stronger) | 2.46% |
| Problem loans | 0.91% | 0.46% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 0.91% (stronger) | -2.20% |
| Loans ÷ deposits | 75.7% | 51.4% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 9.1% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cowboy State Bank has the higher TellerScore (70 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Cowboy State Bank leads on 4 and Summit National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.