Cowboy State Bank vs Bank Of Commerce
Comparing a Bank in Ranchester, WY with a Bank in Rawlins, WY using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Cowboy State Bank ↗ Bank · Ranchester, WY · Est. 1912 | Bank Of Commerce ↗ Bank · Rawlins, WY · Est. 1978 | |
|---|---|---|
| Trust Grade | A · 97/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Ranchester, WY | Rawlins, WY |
| Total assets | $52.0M | $213.9M |
| Capital ratio | 11.1% | 10.1% |
| Return on assets | 0.9% | 1.3% |
| Deposits | $46.2M | $191.0M |
| Branches | 2 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 24 | #3 of 24 |
| Established | 1912 | 1978 |
Cowboy State Bank
- Assets: $52.0M
- Deposits: $46.2M
- Capital ratio: 11.1%
- Return on assets: 0.9%
- CFPB complaints: 0
- State rank: #5 of 24
Bank Of Commerce
- Assets: $213.9M
- Deposits: $191.0M
- Capital ratio: 10.1%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #3 of 24
Are both institutions federally insured?
Yes. Cowboy State Bank is FDIC-insured and Bank Of Commerce 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 State Bank or Bank Of Commerce?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bank Of Commerce 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 State Bank safe?
Yes — Cowboy State 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 (97/100), reflecting its financial strength and complaint history relative to peers.
Is Bank Of Commerce safe?
Yes — Bank Of Commerce 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 State Bank vs Bank Of Commerce?
Cowboy State Bank has a capital ratio of 11.1%, placing it in the bottom 40% of <$100M peers. Bank Of Commerce's ratio is 10.1%, placing it in the bottom 49% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Cowboy State Bank have compared to Bank Of Commerce?
The CFPB database shows 0 complaints against Cowboy State Bank, and 0 complaints against Bank Of Commerce. 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 State Bank with other Banks in Wyoming
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.
