Bank Comparison
Buffalo Federal Bank vs Keystone Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Buffalo Federal Bank | Keystone Savings Bank |
|---|---|---|
| CET1 Ratio | — | 15.88% |
| Tier 1 Capital Ratio | — | 15.88% |
| Total Capital Ratio | — | 17.02% |
| Tier 1 Leverage Ratio | 9.93% | 11.75% |
| Equity / Assets | 8.45% | 10.00% |
Profitability
| Metric | Buffalo Federal Bank | Keystone Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.30% | 0.34% |
| Return on Equity (ROE) | 15.90% | 3.14% |
| Net Interest Margin (NIM) | 4.22% | 3.49% |
| Yield on Earning Assets | 6.09% | 5.05% |
| Cost of Funds | 1.98% | 1.64% |
Asset quality
| Metric | Buffalo Federal Bank | Keystone Savings Bank |
|---|---|---|
| Texas Ratio | 3.36% | 10.96% |
| Non-Performing Loan Ratio | 0.47% | 1.99% |
| Non-Performing Asset Ratio | 0.32% | 1.15% |
| Net Charge-Off Ratio | -0.01% | 0.04% |
| ACL / Loans | 1.84% | 1.29% |
Balance sheet
| Metric | Buffalo Federal Bank | Keystone Savings Bank |
|---|---|---|
| Total Assets | $210,278K | $210,024K |
| Total Deposits | $184,097K | $177,807K |
| Total Loans | $146,364K | $120,788K |
| Total Equity | $17,765K | $20,994K |
| Net Income (quarter) | $695 | $164 |
Liquidity & funding
| Metric | Buffalo Federal Bank | Keystone Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.50% | 67.93% |
| Core Deposit Ratio | 89.36% | 91.97% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Buffalo Federal Bank | Keystone Savings Bank |
|---|---|---|
| Headquarters City | BUFFALO | KEYSTONE |
| Headquarters State | WY | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 35 | 31 |
| Established | May 1, 1936, midnight | April 27, 1935, 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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