Bank Comparison
Buffalo Federal Bank vs Bank of Commerce
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Buffalo Federal Bank | Bank of Commerce |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.93% | 11.22% |
| Equity / Assets | 8.45% | 10.09% |
Profitability
| Metric | Buffalo Federal Bank | Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 1.26% |
| Return on Equity (ROE) | 15.90% | 12.94% |
| Net Interest Margin (NIM) | 4.22% | 4.02% |
| Yield on Earning Assets | 6.09% | 5.31% |
| Cost of Funds | 1.98% | 1.39% |
Asset quality
| Metric | Buffalo Federal Bank | Bank of Commerce |
|---|---|---|
| Texas Ratio | 3.36% | 0.10% |
| Non-Performing Loan Ratio | 0.47% | 0.02% |
| Non-Performing Asset Ratio | 0.32% | 0.01% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.84% | 1.58% |
Balance sheet
| Metric | Buffalo Federal Bank | Bank of Commerce |
|---|---|---|
| Total Assets | $210,278K | $213,915K |
| Total Deposits | $184,097K | $191,003K |
| Total Loans | $146,364K | $112,544K |
| Total Equity | $17,765K | $21,581K |
| Net Income (quarter) | $695 | $687 |
Liquidity & funding
| Metric | Buffalo Federal Bank | Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 79.50% | 58.92% |
| Core Deposit Ratio | 89.36% | 88.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Buffalo Federal Bank | Bank of Commerce |
|---|---|---|
| Headquarters City | BUFFALO | RAWLINS |
| Headquarters State | WY | WY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 35 | 31 |
| Established | May 1, 1936, midnight | April 20, 1978, 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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