The First Bank Of Okarche vs Cowboy Bank
Comparing a Bank in Okarche, OK with a Bank in Kremlin, OK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The First Bank Of Okarche ↗ Bank · Okarche, OK · Est. 1892 | Cowboy Bank ↗ Bank · Kremlin, OK · Est. 1900 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Okarche, OK | Kremlin, OK |
| Total assets | $138.1M | $369.3M |
| Capital ratio | 15.7% | 12.5% |
| Return on assets | 2.5% | 2.6% |
| Deposits | $115.4M | $319.2M |
| Branches | 1 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 170 | #3 of 170 |
| Established | 1892 | 1900 |
The First Bank Of Okarche
- Assets: $138.1M
- Deposits: $115.4M
- Capital ratio: 15.7%
- Return on assets: 2.5%
- CFPB complaints: 0
- State rank: #5 of 170
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
Are both institutions federally insured?
Yes. The First Bank Of Okarche is FDIC-insured and Cowboy Bank 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, The First Bank Of Okarche or Cowboy Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The First Bank Of Okarche 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 The First Bank Of Okarche safe?
Yes — The First Bank Of Okarche 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 Cowboy Bank safe?
Yes — Cowboy Bank 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 The First Bank Of Okarche vs Cowboy Bank?
The First Bank Of Okarche has a capital ratio of 15.7%, placing it in the top 8% of $100M–1B peers. Cowboy Bank's ratio is 12.5%, placing it in the top 23% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The First Bank Of Okarche have compared to Cowboy Bank?
The CFPB database shows 0 complaints against The First Bank Of Okarche, and 0 complaints against Cowboy Bank. 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 The First Bank Of Okarche 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.
