Buffalo Savings Bank


120 Washington Street
Buffalo, IA 52728
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
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 Savings Bank is an FDIC insured institution located in Buffalo, IA. It was founded in 1909 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 219
Date Established 1909
Assets $ 32.95 million
Loans $ 13.80 million
Deposits $ 29.81 million
Capital $ 2.91 million

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

Deposit Rates - July 25, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - July 25, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Buffalo Savings Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

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AmeriSave Mortgage Corporation
NMLS ID: 1168
2.671% 2.625%
0.63 points
$1,498 fees
$1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

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BMO Harris Bank
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4.840 %
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Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
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Note to Buffalo Savings Bank
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Financial Details

Buffalo Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Buffalo Savings 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 Savings Bank U.S. Bank Average
29.14% 5.29%

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 March 31, 2021, Buffalo Savings Bank had $115,000 in non-current loans and $826,000 in owned real estate. To cover these potential losses it had $2,913,000 in equity and $316,000 in loans loss reserves. That gives it a Texas Ratio of 29.14%.

Return on Equity
Buffalo Savings Bank U.S. Bank Average
-10.74% 11.43%

Buffalo Savings Bank has a Return on Equity of -10.74% versus the BestCashCow average of 11.43%. 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 Savings Bank U.S. Bank Average
8.84% 11.51%

Buffalo Savings Bank has a Capitalization of 8.84% versus the BestCashCow average of 11.51. 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 Savings Bank Balance Sheet Analysis

As of June 30, 2014, Buffalo Savings Bank had assets of $32,945,000, loans of $13,803,000, and deposits of $29,810,000. 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

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 13.80 million
Loan loss allowance $ 0.32 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.83 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 29.81 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 32.95 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Iowa, Buffalo Savings Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans, Commercial and Industrial 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 38.59
Credit Card Loans 0.00
Consumer Auto Loans 3.25
Small Business Loans 15.79
Construction and Development Loans 3.49
Commercial Real Estate 15.79
Commercial and Industrial Loans 29.42
Farm Loans 1.30

Frequently Asked Questions About Buffalo Savings Bank

Branches and Savings

Is Buffalo Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #219.

Why does Buffalo Savings 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 Savings Bank CD rates not competitive?

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

Is Buffalo Savings Bank a commercial bank?


Where are Buffalo Savings Bank locations?

See branch locations nearby.

Is Buffalo Savings Bank open on Saturdays?

Is Buffalo Savings Bank open on Sundays?

What time does Buffalo Savings Bank open?

What time does Buffalo Savings Bank close?

Are Buffalo Savings Bank ATMs Open 24/7?

Do Buffalo Savings Bank ATMs accept cash deposits?

Can Buffalo Savings Bank customers use other ATMs?

Do Buffalo Savings Bank branches have notaries?

Will Buffalo Savings Bank notarize my document?

What address for Buffalo Savings Bank should I put for incoming ACH transfers?

Will the Buffalo Savings Bank branch print checks?

Do Buffalo Savings Bank checks expire?

Does Buffalo Savings Bank require US citizenship to open account?

Can Buffalo Savings Bank close my account?

Does Buffalo Savings Bank Report to credit bureaus?

Does Buffalo Savings Bank Use Equifax?

What is Buffalo Savings Bank's ACH Routing Number?

What is Buffalo Savings Bank's SWIFT code?


Does Buffalo Savings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Buffalo Savings Bank offer personal loans?

Compare personal loan rates here.

Does Buffalo Savings Bank offer student loans?

Will Buffalo Savings Bank cash a check?

Will Buffalo Savings Bank redeem a savings bond?

Does Buffalo Savings Bank cash savings bonds?

Will Buffalo Savings Bank cash money orders?

Can Buffalo Savings Bank issue a money order?

Does Buffalo Savings Bank do currency exchange?

Background on The Bank

Who owns Buffalo Savings Bank?

How long has Buffalo Savings Bank been around?

Can Buffalo Savings Bank transfer to other banks?

Does Buffalo Savings Bank have quick pay?

Does Buffalo Savings Bank accept rolled coins?

Will Buffalo Savings Bank accept loose change?

Where is Buffalo Savings Bank headquarters?

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