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BDI
CS

Cowboy State Bank

Ranchester, WyomingFDIC Cert #8725

STATEEstablished 19122 branches

Holding company: COWBOY STATE BCORP INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$1.71M
Investor CRE$14.3M
Multifamily$0
Construction$3.47M
1–4 family$7.08M
C&I$2.03M
Agriculture$4.31M
Other$1.79M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$34.7M
+3.2%y/y
Percentile by value35th percentileby value
Peer standing in ubpr:primary:7
FDICLNLSGR
Net loans
$34M
+3.3%y/y
Percentile by value34th percentileby value
Peer standing in ubpr:primary:7
FDICLNLSNET
Loans YoY
+3.33%
−41.2%y/y
Percentile by value49th percentileby value
Peer standing in ubpr:primary:7
FDICLNLSNET
L/D
73.6%
+1.3%y/y
Percentile by value62nd percentileby value
Peer standing in ubpr:primary:7
FDICLNLSNET + DEP
Loans/assets
65.3%
+1.6%y/y
Percentile by value66th percentileby value
Peer standing in ubpr:primary:7
FDICLNLSNET + ASSET
RE loans %
90.96%
+9.6%y/y
Percentile by value90th percentileby value
Peer standing in ubpr:primary:7
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
262%
+3.7%y/y
Percentile by value99th percentileby value
Peer standing in ubpr:primary:7

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
51%
−25.5%y/y
Percentile by value88th percentileby value
Peer standing in ubpr:primary:7

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,399points
+20.4%y/y
Peer standing52nd percentile
Peer standing in ubpr:primary:7
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
4.93%
−6.8%y/y
Percentile by value48th percentileby value
Peer standing in ubpr:primary:7
FDICLNRENROW + LNLSGR
Investor CRE %
41.25%
+19.6%y/y
Percentile by value99th percentileby value
Peer standing in ubpr:primary:7
FDICLNRENROT + LNLSGR
C&I %
5.85%
−45.6%y/y
Percentile by value25th percentileby value
Peer standing in ubpr:primary:7
FDICLNCI + LNLSGR