Cowboy Bank
Kremlin, OK
IDRSSD: 883959
Total Assets
$368.69M
Latest filing
Total Deposits
$321.04M
Latest filing
Net Interest Margin
5.05%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
103108045KREMLIN, OK
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cowboy Bank
102 6th St
Kremlin, OK 73753
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1900FDIC Certificate 7366
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cowboy Bank (Main) | 102 6th St | Kremlin, OK |
| DRUMMOND BRANCH | 320 Main Street | Drummond, OK |
| NORTH ENID BRANCH | 3915 N 4th St | Enid, OK |
| OAKWOOD BRANCH | 430 S Oakwood Rd | Enid, OK |
| GOLTRY BRANCH | 101 W Main | Goltry, OK |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73753 |
| State and County Number | 40047 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Enid, OK |
Operational Info
| Number of Employees | 42 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/12/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cowboyfirst.bank |
| Data Updated | 01/30/2026 |
| CERT | 11526 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $368.69M |
| Total Deposits | $321.04M |
| Total Liabilities | $325.00M |
| Total Equity Capital | $43.69M |
| Net Income | $2.54M |
| Net Loans and Leases | $278.56M |
| Assets Per Employee ($Millions) | $8.19M |
| Bank Premises and Fixed Assets | $5.65M |
| Cash and Balances due from Depository Institutions | $20.05M |
| Deposits Held in Domestic Offices | $321.04M |
Key Performance Ratios
| Return on Assets (ROA) | 2.82% |
| Return on Equity (ROE) | 22.66% |
| Net Interest Margin | 5.05% |
| Efficiency Ratio | 48.49% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.55% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.849% |
| Earning Assets to total Assets | 89.31% |
Income and Expense
| Total Interest Income | $5.63M |
| Total Noninterest Income | $455.00k |
| Total Interest Expense | $1.51M |
| Total Noninterest Expense | $2.46M |
| Net Interest Income | $4.12M |
| Pre-tax Net Operating Income | $2.62M |
| Provision for Credit Losses | $-499,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.23M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $726.00k |
| Total Liabilities and Capital | $368.69M |
Securities
| Securities | $32.40M |
| Available-for-sale debt securities | $32.40M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cowboy Bank?
$368.69M as of the latest filing.
How much are Cowboy Bank's total deposits?
$321.04M in total deposits.
Where is Cowboy Bank located?
Kremlin, OK.
What is the Net Interest Margin?
5.05%.
How many domestic offices does it operate?
5.
When was it established?
05/01/1900.
What is the Return on Assets (ROA)?
2.82%.
How much are total loans and leases?
$278.56M (latest filing).
What is the total interest income (latest filing)?
$5.63M.