Bank · FDIC insured
Cowboy First Bank
A $350.3M bank headquartered in Kremlin, OK, with 5 branches in Oklahoma. Best rates: CDs 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs733.75%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cowboy First Bank
Originally chartered in Kremlin, Oklahoma in 1900, the institution operated as the Bank of Kremlin until changing its name to Cowboy First Bank in 2024.
Acquired by a local family in Enid, Oklahoma in 2019, Cowboy First Bank operates as a trade name and banking division of Cowboy Bank.
A Farm Service Agency Preferred Lender specializing in agricultural and commercial lending, the bank serves communities across Oklahoma and Kansas.
- Headquarters
- 102 6th St, Kremlin, OK 73753
- FDIC certificate
- 11526 ↗
Branches
5 branches in Oklahoma
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Oklahoma
5 branches
Enid area · 4
- Cowboy BankMain office102 6th St, Kremlin, OK 73753Directions
- Drummond Branch320 Main Street, Drummond, OK 73735Directions
- North Enid Branch3915 N 4th St, Enid, OK 73701Directions
- Oakwood Branch430 S Oakwood Rd, Enid, OK 73703Directions
Goltry area · 1
- Goltry Branch101 W Main, Goltry, OK 73739Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.72% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.49% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.62% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio12.72%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.49%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.62%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cowboy First Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.