Buffalo Federal Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.38% +1.38 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $21.8M | 21,825 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $210.3M | 210,287 | RCOAA224 |
| Recomputed ratio | 10.38% | numerator / denominator | |
| Filed ratio | 10.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.38 pp | $2.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 6,518 | 6,518 | 6,518 | 6,518 | 6,518 | 6,518 | RCOAP742 |
| Retained earnings | 15,439 | 14,776 | 14,081 | 13,631 | 13,534 | 13,085 | RCOAKW00 |
| Accumulated other comprehensive income | (3,615) | (3,529) | (3,387) | (3,541) | (3,892) | (4,047) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 18,342 | 17,765 | 17,212 | 16,608 | 16,160 | 15,556 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,483 | 3,397 | 3,255 | 3,409 | 3,760 | 3,915 | P859 - P840 |
| Common equity Tier 1 capital | 21,825 | 21,162 | 20,467 | 20,017 | 19,920 | 19,471 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 21,825 | 21,162 | 20,467 | 20,017 | 19,920 | 19,471 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | 2,545 | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | 2,545 | |
| Total capital | NA | NA | NA | NA | NA | 22,016 | |
| Total risk-weighted assets | NA | NA | NA | NA | NA | 203,559 | |
| Average total assets for the leverage ratio | 210,287 | 213,134 | 205,470 | 199,677 | 201,672 | 201,103 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.38% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.93% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.96% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 10.02% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.88% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 9.57% | 9.57% | 10.82% | 9.68% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 9.65% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.15% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 9.86% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 9.56% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 9.33% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.37% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Buffalo Federal Bank (this bank) | CBLR | NA | NA | NA | 10.38% | |
| Central Bank and Trust | $202.5M | Risk-based | 17.17% | 17.17% | 17.97% | 8.56% |
| Verus Bank of Commerce | $202.4M | CBLR | NA | NA | NA | 18.46% |
| Lone Star Bank | $202.3M | CBLR | NA | NA | NA | 12.65% |
| Oklahoma Bank and Trust Company | $202.3M | Risk-based | 40.55% | 40.55% | 41.82% | 14.05% |
| Bank 21 | $202.1M | Risk-based | 12.58% | 12.58% | 13.83% | 11.51% |
| Bank of Commerce | $203.2M | Risk-based | 18.05% | 18.05% | 19.30% | 12.78% |
| Mountain Valley Bank, N.A. | $201.9M | CBLR | NA | NA | NA | 13.65% |
| Boc Bank | $203.4M | Risk-based | 16.02% | 16.02% | 17.27% | 12.41% |
| NorthStar Bank | $203.4M | Risk-based | 16.72% | 16.72% | 17.66% | 11.66% |
| First Community Bank and Trust | $201.7M | CBLR | NA | NA | NA | 13.47% |
| Peer 25th percentile | 16.19% | 16.19% | 17.37% | 11.85% | ||
| Peer median | 16.95% | 16.95% | 17.82% | 12.72% | ||
| Peer 75th percentile | 17.83% | 17.83% | 18.97% | 13.60% | ||
| This bank's percentile | NA | NA | NA | 10 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/108072/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.