Bank Comparison
Buffalo Federal Bank vs Calhoun County Bank, INC.
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 | Calhoun County Bank, INC. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.93% | 10.48% |
| Equity / Assets | 8.45% | 10.08% |
Profitability
| Metric | Buffalo Federal Bank | Calhoun County Bank, INC. |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 1.22% |
| Return on Equity (ROE) | 15.90% | 12.31% |
| Net Interest Margin (NIM) | 4.22% | 4.16% |
| Yield on Earning Assets | 6.09% | 5.24% |
| Cost of Funds | 1.98% | 1.15% |
Asset quality
| Metric | Buffalo Federal Bank | Calhoun County Bank, INC. |
|---|---|---|
| Texas Ratio | 3.36% | 8.76% |
| Non-Performing Loan Ratio | 0.47% | 1.40% |
| Non-Performing Asset Ratio | 0.32% | 0.91% |
| Net Charge-Off Ratio | -0.01% | 0.02% |
| ACL / Loans | 1.84% | 1.39% |
Balance sheet
| Metric | Buffalo Federal Bank | Calhoun County Bank, INC. |
|---|---|---|
| Total Assets | $210,278K | $210,289K |
| Total Deposits | $184,097K | $187,292K |
| Total Loans | $146,364K | $137,283K |
| Total Equity | $17,765K | $21,206K |
| Net Income (quarter) | $695 | $645 |
Liquidity & funding
| Metric | Buffalo Federal Bank | Calhoun County Bank, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 79.50% | 73.30% |
| Core Deposit Ratio | 89.36% | 92.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Buffalo Federal Bank | Calhoun County Bank, INC. |
|---|---|---|
| Headquarters City | BUFFALO | GRANTSVILLE |
| Headquarters State | WY | WV |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 35 | 40 |
| Established | May 1, 1936, 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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