Side-by-side · Q2 2026 data
The Cowboy Bank of Texas vs Texas Exchange Bank
Metric by metric
| Measure | The Cowboy Bank of Texas | Texas Exchange Bank |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 24 | 100 (stronger) |
| Earnings | 100 (stronger) | 37 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 68th | 90th |
| Total assets | $108.6M | $4.5B |
| Deposits / shares | $88.1M | $2.6B |
| Capital ratio | 17.51% (stronger) | 12.44% |
| Problem loans | 2.29% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 2.74% (stronger) | 0.43% |
| Loans ÷ deposits | 72.4% | 25.9% (stronger) |
| Uninsured deposits | 17.5% | 1.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Exchange Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Cowboy Bank of Texas leads on 2 and Texas Exchange Bank on 5. 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.