Bank Comparison
Tanager Bank vs Buffalo Federal Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 15
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Tanager Bank | Buffalo Federal Bank |
|---|---|---|
| CET1 Ratio | 26.21% | — |
| Tier 1 Capital Ratio | 26.21% | — |
| Total Capital Ratio | 27.18% | — |
| Tier 1 Leverage Ratio | 8.15% | 9.93% |
| Equity / Assets | 6.00% | 8.45% |
Profitability
| Metric | Tanager Bank | Buffalo Federal Bank |
|---|---|---|
| Return on Assets (ROA) | 0.03% | 1.30% |
| Return on Equity (ROE) | 0.63% | 15.90% |
| Net Interest Margin (NIM) | 1.31% | 4.22% |
| Yield on Earning Assets | 3.75% | 6.09% |
| Cost of Funds | 2.62% | 1.98% |
Asset quality
| Metric | Tanager Bank | Buffalo Federal Bank |
|---|---|---|
| Texas Ratio | 3.31% | 3.36% |
| Non-Performing Loan Ratio | 0.59% | 0.47% |
| Non-Performing Asset Ratio | 0.19% | 0.32% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.37% | 1.84% |
Balance sheet
| Metric | Tanager Bank | Buffalo Federal Bank |
|---|---|---|
| Total Assets | $216,935K | $210,278K |
| Total Deposits | $201,900K | $184,097K |
| Total Loans | $69,356K | $146,364K |
| Total Equity | $13,014K | $17,765K |
| Net Income (quarter) | $21 | $695 |
Liquidity & funding
| Metric | Tanager Bank | Buffalo Federal Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 34.35% | 79.50% |
| Core Deposit Ratio | 64.66% | 89.36% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tanager Bank | Buffalo Federal Bank |
|---|---|---|
| Headquarters City | JACKSON | BUFFALO |
| Headquarters State | WY | WY |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 14 | 35 |
| Established | Sept. 16, 1919, midnight | 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 March 31, 2026. 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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