Buffalo Savings Bank

120 Washington Street
Buffalo, IA 52728


General Bank Information

FDIC Insured Yes
FDIC Certificate # 219
Date Established 1909
Assets $0.03 billion
Loans $0.01 billion
Deposits $0.03 billion
Capital $0.00 billion

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.

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.

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

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Buffalo Savings Bank, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2229
License#: MC-5591
4.064% 4.000% 0.25 $1,938 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Buffalo Savings Bank
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Buffalo Savings Bank Locations

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% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, 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%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Buffalo Savings Bank U.S. Bank Average
-10.74% 8.58

Buffalo Savings Bank has a Return on Equity of -10.74% versus the BestCashCow average of 8.58. 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% 12.11

Buffalo Savings Bank has a Capitalization of 8.84% versus the BestCashCow average of 12.11. 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.

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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