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Buffalo Federal Bank

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

Buffalo, WY

3 branches across WY

2664 banks in the $100M-$1B peer group nationally 17 in WY
View $100M-$1B leaderboard (WY) →

Buffalo Federal Bank has 4 strengths but faces 1 concern

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

  • + ROA 0.06% above tier average
  • + Net Interest Margin 0.44% above tier average
  • + Efficiency Ratio 1.43% below tier average
  • + Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 34.5% in tier
Get updates when Buffalo Federal Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $210.3M
+4.6% YoY +1.0% QoQ
-$175.8M $386.1M
+0.5% YoY
$445.8M
+4.9% YoY
$6.2B
+9.1% YoY
29%
Total Loans ? $143.7M
+4.6% YoY +0.6% QoQ
-$112.0M $255.7M
+1.1% YoY
$250.1M
+8.7% YoY
$3.2B
+10.8% YoY
34%
Total Deposits ? $184.1M
+4.6% YoY +3.7% QoQ
-$143.9M $328.0M
+0.1% YoY
$397.2M
+4.6% YoY
$4.8B
+8.2% YoY
30%
Return on Assets ? 1.33%
+68.4% YoY +24.9% QoQ
+0.06% 1.27%
+12.9% YoY
1.18%
+46.8% YoY
1.23%
+13.4% YoY
58%
Net Interest Margin ? 4.37%
+12.1% YoY +2.9% QoQ
+0.44% 3.93%
+6.0% YoY
3.82%
+5.9% YoY
3.89%
+5.7% YoY
77%
Efficiency Ratio ? 63.86%
-13.2% YoY -7.1% QoQ
-1.43% 65.29%
-4.5% YoY
71.89%
-9.4% YoY
66.95%
-4.1% YoY
48%
Delinquency Rate ? 0.47%
-61.6% YoY -33.4% QoQ
-0.41% 0.89%
+18.8% YoY
0.47%
-19.3% YoY
0.95%
+18.8% YoY
47%
Loan-to-Deposit Ratio ? 78.04%
-0.0% YoY -2.9% QoQ
+1.41% 76.64%
+0.8% YoY
68.79%
+12.9% YoY
76.70%
+0.9% YoY
50%
Non-Interest-Bearing Deposit Share ? 14.80%
-6.2% YoY -11.5% QoQ
-7.22% 22.02%
-1.0% YoY
24.89%
+11.1% YoY
22.01%
-1.2% YoY
24%
Nonperforming Asset Ratio ? 0.32%
-61.6% YoY -33.6% QoQ
-0.31% 0.64%
+19.7% YoY
0.38%
+6.8% YoY
0.67%
+19.3% YoY
49%
Tier 1 Capital Ratio ? 9.93%
+3.8% YoY -0.3% QoQ
-5.90% 15.83%
+1.5% YoY
19.62%
+12.7% YoY
17.06%
+0.8% YoY
Bottom 9.1% in tier
Non-Interest Income / Assets ? 0.14%
+13.0% YoY -75.5% QoQ
-0.14% 0.28%
+9.3% YoY
0.21%
+17.8% YoY
0.32%
+4.1% YoY
69%

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 (1)

Capital Thin

risk
#231 of 666 • Bottom 34.5% 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: 9.93%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

623
Net Interest Margin
profitability
Value: 4.37%
Peer Median: 3.93%
#623 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (2 metrics)

2422
Tier 1 Capital Ratio
capital
Value: 9.93%
Peer Median: 15.83%
#2422 of 2664 Bottom 9.1% in $100M-$1B
2037
Non-Interest-Bearing Deposit Share
funding
Value: 14.80%
Peer Median: 22.02%
#2037 of 2664 Bottom 23.6% in $100M-$1B
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