Bank Comparison
Buffalo Federal Bank vs Apollo Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Buffalo Federal Bank | Apollo Trust Company |
|---|---|---|
| CET1 Ratio | — | 17.52% |
| Tier 1 Capital Ratio | — | 17.52% |
| Total Capital Ratio | — | 18.69% |
| Tier 1 Leverage Ratio | 9.93% | 10.85% |
| Equity / Assets | 8.45% | 10.38% |
Profitability
| Metric | Buffalo Federal Bank | Apollo Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 1.10% |
| Return on Equity (ROE) | 15.90% | 10.64% |
| Net Interest Margin (NIM) | 4.22% | 4.46% |
| Yield on Earning Assets | 6.09% | 5.47% |
| Cost of Funds | 1.98% | 1.06% |
Asset quality
| Metric | Buffalo Federal Bank | Apollo Trust Company |
|---|---|---|
| Texas Ratio | 3.36% | 2.49% |
| Non-Performing Loan Ratio | 0.47% | 0.00% |
| Non-Performing Asset Ratio | 0.32% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.84% | 0.81% |
Balance sheet
| Metric | Buffalo Federal Bank | Apollo Trust Company |
|---|---|---|
| Total Assets | $210,278K | $210,538K |
| Total Deposits | $184,097K | $148,003K |
| Total Loans | $146,364K | $184,523K |
| Total Equity | $17,765K | $21,864K |
| Net Income (quarter) | $695 | $576 |
Liquidity & funding
| Metric | Buffalo Federal Bank | Apollo Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 79.50% | 124.68% |
| Core Deposit Ratio | 89.36% | 98.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Buffalo Federal Bank | Apollo Trust Company |
|---|---|---|
| Headquarters City | BUFFALO | APOLLO |
| Headquarters State | WY | PA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 3 | 6 |
| Employees (FTE) | 35 | 38 |
| Established | May 1, 1936, midnight | May 27, 1871, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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