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Buffalo Federal Bank

$100M-$1B Specialty: Commercial WY FDIC cert 29696

Buffalo, WY

3 branches across WY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 17 in WY.
  • Deposits +3.5% year over year ($175.9M on the books).
  • Delinquency rate 0.68%.
  • Return on assets 1.31%.
  • Efficiency ratio 64.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.59% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 17 in WY
View $100M-$1B leaderboard (WY) →

Buffalo Federal Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.44% above tier average
  • + Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 10.5% in tier
  • - Credit Quality Pressure: Bottom 33.4% in tier
  • - Capital Thin: Bottom 37.5% in tier
  • - Efficiency Ratio 0.35% above tier average
Get updates when Buffalo Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $202.6M
+3.5% YoY -3.7% QoQ
-$184.0M $386.6M
+1.2% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $150.5M
+3.8% YoY +4.8% QoQ
-$107.8M $258.3M
+1.7% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $175.9M
+3.5% YoY -4.5% QoQ
-$150.9M $326.7M
+0.7% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 1.31%
+45.3% YoY -1.3% QoQ
-0.01% 1.32%
+10.8% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 4.43%
+8.3% YoY +1.2% QoQ
+0.44% 3.99%
+5.0% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 64.83%
-7.2% YoY +1.5% QoQ
+0.35% 64.48%
-3.2% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.68%
+14.6% YoY +43.0% QoQ
-0.24% 0.92%
+15.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 85.59%
+0.3% YoY +9.7% QoQ
+7.64% 77.95%
+1.0% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 14.71%
-9.6% YoY -0.6% QoQ
-7.32% 22.03%
-0.6% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 0.50%
+15.0% YoY +55.5% QoQ
-0.16% 0.67%
+16.4% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 10.38%
+5.1% YoY +4.5% QoQ
-5.53% 15.91%
+1.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
15%
Non-Interest Income / Assets ? 0.28%
+7.4% YoY +109.1% QoQ
-0.28% 0.57%
+7.6% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Noninterest-Bearing 14.7%
-1.6pp YoY
-0.1pp QoQ
 -7.4pp 22.1% 24.7% 22.2% 23%
Brokered Deposits n/a n/a 7.9% 12.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
C&I 10.7%
+0.6pp YoY
+1.6pp QoQ
 -0.8pp 11.6% 16.1% 12.5% 57%
CRE 38.6%
-2.3pp YoY
-2.3pp QoQ
 -0.9pp 39.5% 45.3% 41.4% 50%
1-4 Family 31.8%
0.0pp YoY
+0.5pp QoQ
 -0.9pp 32.6% 25.2% 31.3% 55%
Consumer 4.0%
+0.3pp YoY
0.0pp QoQ
 -0.1pp 4.1% 4.1% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 25.5% 19.7% n/a
Leverage Ratio 10.4%
+0.5pp YoY
+0.4pp QoQ
 -1.8pp 12.2% 11.6% 12.6% 39%
Total Capital Ratio n/a n/a 19.9% 26.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 35
+1 (+2.9%) YoY
0 QoQ
 -24 58 57 482 35%
Assets per Employee ($) $5.8M
+0.5% YoY
-3.7% QoQ
 -$1.7M $7.5M $8.7M $8.8M 29%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.7%
+0.2pp YoY
+0.2pp QoQ
 -0.3pp 0.9% 0.6% 1.0% 61%
Allowance Coverage 2.63x
-16.0% YoY
-33.3% QoQ
 -21.52x 24.15x 18.30x 20.23x 55%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 15.3%
+3.8pp YoY
-0.6pp QoQ
 +3.1pp 12.2% 9.7% 11.6% 69%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 67%
Net Income ($, YTD) $1.4M
+52.9% YoY
— QoQ
 -$1.2M $2.6M $3.2M $40.4M 38%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#99 of 936 • Bottom 10.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#421 of 1256 • Bottom 33.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.68%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Capital Thin

risk
#249 of 661 • Bottom 37.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.38%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

626
Net Interest Margin
profitability
Value: 4.43%
Peer Median: 3.99%
#626 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (2 metrics)

2239
Tier 1 Capital Ratio
capital
Value: 10.38%
Peer Median: 15.91%
#2239 of 2643 Bottom 15.3% in $100M-$1B
2034
Non-Interest-Bearing Deposit Share
funding
Value: 14.71%
Peer Median: 22.03%
#2034 of 2643 Bottom 23.1% in $100M-$1B
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