Cowboy State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 12.4. A current level of 4.4 percent of nonperforming loans to core capital combined with 14.3 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Comm re (33%), cash (14%), home mtgs (10%), securities (9%), comm loans (4%), consumer loans (4%), home eq lns (3%), other (23%)
States with Branches:
WY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Cowboy State Bancorp, Inc.
Investment Rating
--
Address
515 US Highway 14
Ranchester, WY 82839
Ranchester, WY 82839
Phone Number
(307) 655-2291
Year Founded
1912
FDIC Number
Website
Largest Affiliates
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