Buffalo Federal Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 131.17 percentage points in Q2 2026, from 394.28% to 263.11%. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, Buffalo Federal Bank is 15th of 24 on return on assets, 1.26% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Buffalo Federal Bank reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.38% |
| Equity capital to assets | 9.05% |
| Tangible equity to tangible assets | 8.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.67% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.89% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 263.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 14.69% |
| Net interest margin | 4.28% |
| Efficiency ratio | 65.70% |
| Yield on earning assets | 6.15% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.12% |
| Core deposits to total deposits | 89.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.81% |
| Securities to assets | 13.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.37% | 0.65% | 3.51% | 1.21% | 0.24% |
| Q4 2023 | 9.33% | 0.91% | 3.58% | 0.78% | 0.07% |
| Q1 2024 | 9.56% | 0.85% | 3.49% | 0.81% | 0.08% |
| Q2 2024 | 9.86% | 0.86% | 3.71% | 0.77% | 0.00% |
| Q3 2024 | 10.15% | 0.98% | 3.81% | 0.74% | 0.02% |
| Q4 2024 | 9.65% | 1.01% | 3.80% | 0.66% | 0.01% |
| Q1 2025 | 9.68% | 0.77% | 3.74% | 1.21% | -0.01% |
| Q2 2025 | 9.88% | 0.99% | 4.06% | 0.49% | 0.10% |
| Q3 2025 | 10.02% | 1.20% | 4.35% | 0.47% | -0.01% |
| Q4 2025 | 9.96% | 1.22% | 4.20% | 0.48% | 0.02% |
| Q1 2026 | 9.93% | 1.30% | 4.22% | 0.47% | -0.01% |
| Q2 2026 | 10.38% | 1.26% | 4.28% | 0.67% | 0.00% |
Buffalo Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Buffalo Federal Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)