Side-by-side · Q2 2026 data
Sooner State Bank vs Cowboy Bank
Metric by metric
| Measure | Sooner State Bank | Cowboy Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 78 (stronger) | 77 |
| Loan quality | 89 (stronger) | 84 |
| Earnings | 100 | 100 |
| Funding & liquidity | 70 | 70 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 90th | 86th |
| Total assets | $354.6M | $350.3M |
| Deposits / shares | $311.0M | $297.7M |
| Capital ratio | 12.75% (stronger) | 12.72% |
| Problem loans | 0.33% (stronger) | 0.49% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 2.06% | 2.62% (stronger) |
| Loans ÷ deposits | 73.8% (stronger) | 85.3% |
| Uninsured deposits | 29.6% | 19.5% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.8% | 1.8% |
Sooner State Bank has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Sooner State Bank leads on 5 and Cowboy Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.