Side-by-side · Q2 2026 data
The Pauls Valley National Bank vs Cowboy Bank
Metric by metric
| Measure | The Pauls Valley National Bank | Cowboy Bank |
|---|---|---|
| TellerScore | 39 | 84 (stronger) |
| Capital cushion | 45 | 77 (stronger) |
| Loan quality | 0 | 84 (stronger) |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 82 (stronger) | 70 |
| Problem-loan coverage | 3 | 95 (stronger) |
| Peer percentile | 2nd | 86th |
| Total assets | $356.6M | $350.3M |
| Deposits / shares | $327.4M | $297.7M |
| Capital ratio | 9.48% | 12.72% (stronger) |
| Problem loans | 5.72% | 0.49% (stronger) |
| Net charge-offs | 0.36% | 0.01% (stronger) |
| Return on assets | 1.12% | 2.62% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 85.3% |
| Uninsured deposits | 29.5% | 19.5% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Cowboy Bank has the higher TellerScore (84 vs 39). On the 7 directional measures above (where higher or lower is clearly better), The Pauls Valley National Bank leads on 1 and Cowboy Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.