Buffalo Federal Bank


106 Fort Street
Buffalo, WY 82834
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Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Buffalo Federal Bank is an FDIC insured institution located in Buffalo, WY. It was founded in 1936 and has approximately $0.15 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 29696
Date Established 1936
Assets $ 145.75 million
Loans $ 103.84 million
Deposits $ 121.49 million
Capital $ 14.62 million

For a more detailed analysis of Buffalo Federal Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 14, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - April 14, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Buffalo Federal Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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Morty, Inc.
NMLS ID: 1429243
2.678% 2.625% 0.25 $1,730 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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People's United Bank, N.A.
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4.000 %
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
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Note to Buffalo Federal Bank
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Financial Details

Buffalo Federal Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Buffalo Federal Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Buffalo Federal Bank U.S. Bank Average
0.35% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, Buffalo Federal Bank had $57,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,619,000 in equity and $1,875,000 in loans loss reserves. That gives it a Texas Ratio of 0.35%.

Return on Equity
Buffalo Federal Bank U.S. Bank Average
8.46% 9.24%

Buffalo Federal Bank has a Return on Equity of 8.46% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Buffalo Federal Bank U.S. Bank Average
10.03% 11.96%

Buffalo Federal Bank has a Capitalization of 10.03% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Buffalo Federal Bank Balance Sheet Analysis

As of December 31, 2020, Buffalo Federal Bank had assets of $145,754,000, loans of $103,842,000, and deposits of $121,491,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions $ 4.28 million
Interest-bearing balances $ 1.12 million
Total securities $ 22.10 million
Federal funds sold and reverse repurchase $ 8.57 million
Net loans and leases $ 103.84 million
Loan loss allowance $ 1.88 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.13 million
All other assets $ 3.41 million
     Total Assets $ 131.14 million
Total deposits $ 121.49 million
      Interest-bearing deposits $ 101.15 million
      Deposits held in domestic offices $ 121.49 million
      % insured (estimated) 83.07%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 8.87 million
Subordinated debt N.A.
All other liabilities $ 0.78 million
      Total Liabilities $ 131.14 million
      Shareholders’ Equity $ 14.62 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 5.97 million
Total Interest Expense $ 0.84 million
Net interest income $ 5.13 million
Provision for loan and lease losses $ 0.57 million
Total non interest income $ 1.95 million
Total non interest expense $ 5.03 million
Pre-tax Net Operating Income $ 1.48 million

Bank Loan Profile?

The top three loan types in Buffalo Federal Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Wyoming, Buffalo Federal Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.25
Credit Card Loans 0.00
Consumer Auto Loans 2.28
Small Business Loans 30.20
Construction and Development Loans 6.49
Commercial Real Estate 33.61
Commercial and Industrial Loans 16.26
Farm Loans 2.63

Frequently Asked Questions About Buffalo Federal Bank

Branches and Savings

Is Buffalo Federal Bank FDIC insured?

Yes. It is covered under FDIC Certificate #29696.

Why does Buffalo Federal Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Buffalo Federal Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Buffalo Federal Bank a commercial bank?


Where are Buffalo Federal Bank locations?

See branch locations nearby.

Is Buffalo Federal Bank open on Saturdays?

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Are Buffalo Federal Bank ATMs Open 24/7?

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Will the Buffalo Federal Bank branch print checks?

Do Buffalo Federal Bank checks expire?

Does Buffalo Federal Bank require US citizenship to open account?

Can Buffalo Federal Bank close my account?

Does Buffalo Federal Bank Report to credit bureaus?

Does Buffalo Federal Bank Use Equifax?

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Does Buffalo Federal Bank offer mortgages?

Compare mortgage rates here.

Does Buffalo Federal Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Buffalo Federal Bank offer personal loans?

Compare personal loan rates here.

Does Buffalo Federal Bank offer student loans?

Will Buffalo Federal Bank cash a check?

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Background on The Bank

Who owns Buffalo Federal Bank?

How long has Buffalo Federal Bank been around?

Can Buffalo Federal Bank transfer to other banks?

Does Buffalo Federal Bank have quick pay?

Does Buffalo Federal Bank accept rolled coins?

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