Cowboy Bank vs The First State Bank Of Pond Creek, Oklahoma
Comparing a Bank in Kremlin, OK with a Bank in Pond Creek, OK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Cowboy Bank ↗ Bank · Kremlin, OK · Est. 1900 | The First State Bank Of Pond Creek, Oklahoma ↗ Bank · Pond Creek, OK · Est. 1893 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Kremlin, OK | Pond Creek, OK |
| Total assets | $369.3M | $61.2M |
| Capital ratio | 12.5% | 13.5% |
| Return on assets | 2.6% | 2.1% |
| Deposits | $319.2M | $52.9M |
| Branches | 5 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 170 | #4 of 170 |
| Established | 1900 | 1893 |
Cowboy Bank
- Assets: $369.3M
- Deposits: $319.2M
- Capital ratio: 12.5%
- Return on assets: 2.6%
- CFPB complaints: 0
- State rank: #3 of 170
The First State Bank Of Pond Creek, Oklahoma
- Assets: $61.2M
- Deposits: $52.9M
- Capital ratio: 13.5%
- Return on assets: 2.1%
- CFPB complaints: 0
- State rank: #4 of 170
Are both institutions federally insured?
Yes. Cowboy Bank is FDIC-insured and The First State Bank Of Pond Creek, Oklahoma is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Cowboy Bank or The First State Bank Of Pond Creek, Oklahoma?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Cowboy Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Cowboy Bank safe?
Yes — Cowboy Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The First State Bank Of Pond Creek, Oklahoma safe?
Yes — The First State Bank Of Pond Creek, Oklahoma is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Cowboy Bank vs The First State Bank Of Pond Creek, Oklahoma?
Cowboy Bank has a capital ratio of 12.5%, placing it in the top 23% of $100M–1B peers. The First State Bank Of Pond Creek, Oklahoma's ratio is 13.5%, placing it in the top 39% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Cowboy Bank have compared to The First State Bank Of Pond Creek, Oklahoma?
The CFPB database shows 0 complaints against Cowboy Bank, and 0 complaints against The First State Bank Of Pond Creek, Oklahoma. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Cowboy Bank with other Banks in Oklahoma
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
