COWBOY BANCSHARES LLC is the bank holding company. THE BANK OF KREMLIN is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

COWBOY BANCSHARES LLC

Legal name: COWBOY BANCSHARES, LLC

1 active bank · $369M combined assets

RSSD ID: 5422531 (FFIEC NIC)

Combined Assets

$369M

CRA Rating Summary

Outstanding1charter

Across all 4 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE BANK OF KREMLINKREMLIN, OKOutstanding$369MView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$369M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$319M

Net Income

$2M

ROA (avg)

2.59%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

94.03%

Denial Rate

5.97%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE BANK OF KREMLIN	KREMLIN, OK	FDIC	$369M	100.0%	Outstanding	May 1997

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.