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Cowboy Bank of Texas

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Cowboy Bank of Texas Rates & Review April 2026

Q: How many branches does Cowboy Bank of Texas operate?

Cowboy Bank of Texas currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Cowboy Bank of Texas does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cowboy Bank of Texas provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare Cowboy Bank of Texas rates to other rates in our database, including 12-month CD rates currently at 3.20%, 6-month CD rates at 3.50% and 3-month CD rates at 1.41%. Savings rates are at 0.05% and money market rates are at 2.00%. Mortgage rates on 30-year fixed loans are around 6.11%. All these rates can be compared to Cowboy Bank of Texas rates. MonitorBankRates evaluates the financial stability of Cowboy Bank of Texas with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.71%. Rates were last updated on 04/17/2026.

Cowboy Bank of Texas money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cowboy Bank of Texas? Share your experience about Cowboy Bank of Texas by leaving a review below, or read customer reviews before you decide to use Cowboy Bank of Texas.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.71%

Excellent Higher than avg

Cowboy Bank of Texas

100 S Main St
Maypearl, TX 76064

https://www.cowboybank.com

Current Rate Availability

We do not have Cowboy Bank of Texas rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cowboy Bank of Texas is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cowboy Bank of Texas rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cowboy Bank of Texas's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cowboy Bank of Texas

Bank Holding Company MAYPEARL BANCSHARES INC

Address 100 S Main St, Maypearl, TX 76064 · Ellis

Website https://www.cowboybank.com

FDIC Certificate # 12298

Established 01/01/1930

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.71%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 3.2104%

Return on Equity (ROE) 24.7700%

Non-Performing Loans (NPL) 1.67%

Total Assets $110,930,000

Total Deposits $90,455,000

Equity Capital $18,523,000

Net Income $3,174,000

Headquarters Maypearl

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Cowboy Bank of Texas

Is Cowboy Bank of Texas a safe place to deposit money?

Yes, Cowboy Bank of Texas is considered a safe financial institution. With a Texas Ratio of 12.714305307914%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Cowboy Bank of Texas operate?

Cowboy Bank of Texas currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cowboy Bank of Texas does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cowboy Bank of Texas provides members with tools to manage their accounts and build a solid financial history.

Does Cowboy Bank of Texas offer online and mobile banking?

Most modern institutions like Cowboy Bank of Texas provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cowboybank.com.