Side-by-side · Q2 2026 data
First Capital Bank vs The Cowboy Bank of Texas
Metric by metric
| Measure | First Capital Bank | The Cowboy Bank of Texas |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 77 (stronger) | 24 |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 71 | 85 (stronger) |
| Problem-loan coverage | 82 (stronger) | 79 |
| Peer percentile | 40th | 68th |
| Total assets | $107.3M | $108.6M |
| Deposits / shares | $96.8M | $88.1M |
| Capital ratio | 9.57% | 17.51% (stronger) |
| Problem loans | 0.70% (stronger) | 2.29% |
| Net charge-offs | 1.33% | 0.01% (stronger) |
| Return on assets | 1.67% | 2.74% (stronger) |
| Loans ÷ deposits | 76.8% | 72.4% (stronger) |
| Uninsured deposits | 26.3% | 17.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | — |
The Cowboy Bank of Texas has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Capital Bank leads on 1 and The Cowboy Bank of Texas on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.