Bank Comparison
Buffalo Federal Bank vs First Bank of Coastal Georgia
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Buffalo Federal Bank | First Bank of Coastal Georgia |
|---|---|---|
| CET1 Ratio | — | 19.68% |
| Tier 1 Capital Ratio | — | 19.68% |
| Total Capital Ratio | — | 20.71% |
| Tier 1 Leverage Ratio | 9.93% | 9.06% |
| Equity / Assets | 8.45% | 6.08% |
Profitability
| Metric | Buffalo Federal Bank | First Bank of Coastal Georgia |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 0.18% |
| Return on Equity (ROE) | 15.90% | 3.17% |
| Net Interest Margin (NIM) | 4.22% | 2.63% |
| Yield on Earning Assets | 6.09% | 4.37% |
| Cost of Funds | 1.98% | 1.84% |
Asset quality
| Metric | Buffalo Federal Bank | First Bank of Coastal Georgia |
|---|---|---|
| Texas Ratio | 3.36% | 0.42% |
| Non-Performing Loan Ratio | 0.47% | 0.07% |
| Non-Performing Asset Ratio | 0.32% | 0.02% |
| Net Charge-Off Ratio | -0.01% | 0.13% |
| ACL / Loans | 1.84% | 1.37% |
Balance sheet
| Metric | Buffalo Federal Bank | First Bank of Coastal Georgia |
|---|---|---|
| Total Assets | $210,278K | $210,156K |
| Total Deposits | $184,097K | $175,348K |
| Total Loans | $146,364K | $66,109K |
| Total Equity | $17,765K | $12,772K |
| Net Income (quarter) | $695 | $101 |
Liquidity & funding
| Metric | Buffalo Federal Bank | First Bank of Coastal Georgia |
|---|---|---|
| Loan-to-Deposit Ratio | 79.50% | 37.70% |
| Core Deposit Ratio | 89.36% | 99.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Buffalo Federal Bank | First Bank of Coastal Georgia |
|---|---|---|
| Headquarters City | BUFFALO | PEMBROKE |
| Headquarters State | WY | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 35 | 30 |
| Established | May 1, 1936, midnight | Jan. 1, 1907, 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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