Buffalo Federal Bank
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Data as of · sourced from FFIEC call reports. How we update
Buffalo Federal Bank is an FDIC-insured commercial bank headquartered in Buffalo, WY, established in 1936 (FDIC certificate 29696), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $202.6M, up 3.5% from Q2 2025, the 18th largest of 24 banks headquartered in Wyoming. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.38% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 29696
- Headquarters
- Buffalo, WY
- Established
- 1936
- Total assets, Q2 2026
- $202.6M
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 10.38%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 302373011
- Latest call report
- Q2 2026, FFIEC 051 · Buffalo Federal Bank call report
- Holding company
- CRAZY WOMAN CREEK BANCORP, INC.
- Asset rank in state
- 18th of 24 in Wyoming
Little in Buffalo Federal Bank's latest call report stands out. It reported $203 million in assets at June 30, 2026, up 3.5% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $663,000, 33% above the same quarter a year earlier. Its $16 million commercial and industrial book is improving, with 0.48% past due or on nonaccrual, down from 1.89% a year earlier. One more trend to watch: delinquency has appeared in its $30 million non-owner-occupied commercial real estate book: 1.11% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Buffalo Federal Bank reported a return on assets of 1.26%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 4.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Buffalo Federal Bank is the 18th largest of the 24 banks headquartered in Wyoming. Between Q1 2026 and Q2 2026, its total assets fell 3.7% to $202.6M, loans rose 4.7% and deposits fell 4.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 31.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.5%. Its 3 offices in the FDIC Summary of Deposits are in Buffalo, WY, Gillette, WY and Sheridan, WY; its Buffalo office books 52% of its branch deposits. Judged on its Q2 2026 call report, Buffalo Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 Fort St, Buffalo, WY 82834
- County
- Johnson
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1936
- Former names
- Buffalo Federal Savings Bank (1996-2014)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $175.9M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $210.4M
- Average total loans
- $148.6M
- Average interest-bearing deposits
- $146.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29696
- Fed RSSD
- 108072
- SEC CIK
- 1005119 → filed by CRAZY WOMAN CREEK BANCORP, INC.
- Website
- www.buffalofed.bank →
- Parent Holding Company
- CRAZY WOMAN CREEK BANCORP, INC. (RSSD 3835100)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Buffalo Federal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Buffalo Federal Bank's total assets ranged from $183.7M (Q2 2024) to $210.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$202.6M total assets against $195.7M; $184.2M total liabilities against $179.6M.
$150.5M net loans and leases against $145.0M; $175.9M total deposits against $170.0M.
$27.5M securities against $23.2M; $13.0M cash and balances due against $16.2M.
$3.1M total interest income against $2.9M; $929K total interest expense against $925K.
$2.1M net interest income against $1.9M.
$290K total noninterest income against $276K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $120K.
$663K net income against $499K.
1.26% return on assets against 0.99%; 4.28% net interest margin against 4.06%.
10.38% tier 1 leverage ratio against 9.88%.
Inside the full Buffalo Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBuffalo Federal Bank rankings
Its closest position to the top of a national ranking is 1,365 of 3,640, for Texas Ratio; its furthest is 2,941 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q1 2025) to 1.30% (Q1 2026) and its net interest margin ran from 3.74% (Q1 2025) to 4.35% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.38% | 1.26% | 0.67% | 4.89% | 4.28% |
| Q1 2026 | 9.93% | 1.30% | 0.47% | 3.36% | 4.22% |
| Q4 2025 | 9.96% | 1.22% | 0.70% | 5.15% | 4.20% |
| Q3 2025 | 10.02% | 1.20% | 0.48% | 3.68% | 4.35% |
| Q2 2025 | 9.88% | 0.99% | 0.58% | 4.59% | 4.06% |
| Q1 2025 | 9.68% | 0.77% | 1.21% | 9.42% | 3.74% |
| Q4 2024 | 9.65% | 1.01% | 0.66% | 7.76% | 3.80% |
| Q3 2024 | 10.15% | 0.98% | 0.74% | 7.46% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Buffalo Federal Bank (main office) | Buffalo , WY | 82834 | $91.5M |
| Gillette Branch | Gillette , WY | 82718 | $56.6M |
| Sheridan Branch | Sheridan , WY | 82801 | $27.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in WY, rank 35 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $155K approved, $155K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Buffalo Federal Bank
What are Buffalo Federal Bank's total assets?
As of the Q2 2026 filing, Buffalo Federal Bank reported total assets of $202.6 million in its FFIEC call report.
Where is Buffalo Federal Bank headquartered?
It is headquartered in Buffalo, WY, United States.
When was Buffalo Federal Bank founded?
It was established in 1936, per the FDIC institution directory.
Is Buffalo Federal Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29696). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Buffalo Federal Bank?
Buffalo Federal Bank's primary federal regulator is the Federal Reserve.
How many branches does Buffalo Federal Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Buffalo Federal Bank's Texas Ratio?
Its Texas Ratio is 4.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Buffalo Federal Bank previously called?
The charter now named Buffalo Federal Bank has also operated as Buffalo Federal Savings Bank (1996-2014), per FDIC structure-change records.
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