Buffalo Federal Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 7.62 percentage points in Q2 2026, from 79.50% to 87.12%. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, Buffalo Federal Bank is 4th of 23 on loan-to-deposit ratio, 87.12% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Buffalo Federal Bank sits 6.18 points higher, at 87.12% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $153.2M |
| Net loans and leases | $150.5M |
| Loans held for sale | $965K |
| Loans to total assets | 75.63% |
| Loan-to-deposit ratio | 87.12% |
| Net loans to equity capital | 8.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.87% |
| Multifamily (5+ residential) | 0.56% |
| Commercial and industrial | 10.54% |
| Consumer | 3.90% |
| Credit cards | 0.00% |
| Farm | 10.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.57% |
| Construction concentration (Tier 1 capital + allowance) | 28.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.30% |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $142.8M | $160.7M | 36.72% | 10.06% | 4.20% |
| Q4 2023 | $139.7M | $166.3M | 36.62% | 10.43% | 4.17% |
| Q1 2024 | $136.5M | $161.2M | 36.98% | 10.92% | 4.13% |
| Q2 2024 | $138.7M | $159.9M | 36.51% | 11.38% | 4.41% |
| Q3 2024 | $137.6M | $163.1M | 35.98% | 11.00% | 4.15% |
| Q4 2024 | $137.5M | $169.3M | 38.35% | 9.99% | 4.02% |
| Q1 2025 | $140.0M | $176.0M | 36.18% | 10.86% | 3.61% |
| Q2 2025 | $147.7M | $170.0M | 35.68% | 9.95% | 3.62% |
| Q3 2025 | $147.6M | $166.2M | 36.11% | 9.38% | 3.54% |
| Q4 2025 | $145.4M | $177.5M | 36.58% | 8.37% | 3.68% |
| Q1 2026 | $146.4M | $184.1M | 35.83% | 8.95% | 3.87% |
| Q2 2026 | $153.2M | $175.9M | 32.87% | 10.54% | 3.90% |
Buffalo Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Buffalo Federal Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Buffalo Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29696) · FFIEC NIC profile (RSSD 108072)