Bank Comparison
Buffalo Federal Bank vs Central Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Buffalo Federal Bank | Central Bank and Trust |
|---|---|---|
| CET1 Ratio | — | 17.11% |
| Tier 1 Capital Ratio | — | 17.11% |
| Total Capital Ratio | — | 17.89% |
| Tier 1 Leverage Ratio | 9.93% | 8.64% |
| Equity / Assets | 8.45% | 8.39% |
Profitability
| Metric | Buffalo Federal Bank | Central Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 2.05% |
| Return on Equity (ROE) | 15.90% | 24.24% |
| Net Interest Margin (NIM) | 4.22% | 4.44% |
| Yield on Earning Assets | 6.09% | 5.08% |
| Cost of Funds | 1.98% | 0.68% |
Asset quality
| Metric | Buffalo Federal Bank | Central Bank and Trust |
|---|---|---|
| Texas Ratio | 3.36% | 1.14% |
| Non-Performing Loan Ratio | 0.47% | 0.00% |
| Non-Performing Asset Ratio | 0.32% | 0.10% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 1.84% | 0.72% |
Balance sheet
| Metric | Buffalo Federal Bank | Central Bank and Trust |
|---|---|---|
| Total Assets | $210,278K | $207,011K |
| Total Deposits | $184,097K | $189,450K |
| Total Loans | $146,364K | $111,083K |
| Total Equity | $17,765K | $17,361K |
| Net Income (quarter) | $695 | $1,037K |
Liquidity & funding
| Metric | Buffalo Federal Bank | Central Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 79.50% | 58.63% |
| Core Deposit Ratio | 89.36% | 97.11% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Buffalo Federal Bank | Central Bank and Trust |
|---|---|---|
| Headquarters City | BUFFALO | LANDER |
| Headquarters State | WY | WY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 35 | 40 |
| Established | May 1, 1936, midnight | Jan. 31, 1890, 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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