Buffalo Federal Savings Bank

Buffalo Federal Savings Bank is headquartered in Buffalo and is the 21^st largest bank in the state of Wyoming. It is also the 3,989^th largest bank in the nation. It was established in 1936 and as of December of 2011, it had grown to 46 employees at 4 locations. Buffalo Federal Savings Bank has a 3-star health rating.

Buffalo Federal Savings Bank Routing Number: 302373011

Data for Q4 2011

Institution Statistics Buffalo Federal Savings Bank OTS # 03903 FDIC Certificate # 29696 BankRate Report View Year Established 1936 Employees 46 Primary Regulator OCC Assets and Liabilities Assets $143.09 million Loans $94.40 million Deposits $128.35 million Equity Capital $13.45 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $1.37 million Real Estate Owned $2.28 million Historic Data - December 2010 Assets $154.90 million Equity Capital $13.02 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $3.44 million Real Estate Owned $1.41 million Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 0.05% Return on Equity 0.57% Interest Income $7.15 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Buffalo Federal Savings Bank had $3.65 million in non-current loans and owned real-estate with $15.13 million in equity and loan loss allowances on hand to cover it. This gives Buffalo Federal Savings Bank a Texas Ratio of 24.15% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Buffalo Federal Savings Bank decreased slightly from 32.84% as of December 31, 2010 to 24.15% as of December 31, 2011, resulting in a positive change of 26.45%.This indicates that the balance sheet and financial strength for Buffalo Federal Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Buffalo Federal Savings Bank has decreased its total deposits by -$12.06 million, resulting in -8.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Buffalo Federal Savings Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Buffalo Federal Savings Bank has $143.09 million in assets with $15.13 million in equity, resulting in a capitalization level of 10.57%, which is above average.

No reviews have been left for this bank yet. Be the first to review.