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Overview / Commentary
106 Fort Street
Buffalo, WY 82834

Buffalo Federal Savings Bank is headquartered in Buffalo and is the 24th largest bank in the state of Wyoming. It is also the 4,257th largest bank in the nation. It was established in 1936 and as of June of 2014, it had grown to 44 employees at 4 locations. Buffalo Federal Savings Bank has a C+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Buffalo Federal Savings Bank had $2.76 million in non-current loans and owned real-estate with $13.87 million in equity and loan loss allowances on hand to cover it. This gives Buffalo Federal Savings Bank a Texas Ratio of 19.86% which is above 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 experienced no significant changes from 19.13% as of June 30, 2013 to 19.86% as of June 30, 2014, resulting in a negative change of 3.84%. This indicates that the balance sheet and financial strength for Buffalo Federal Savings Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Buffalo Federal Savings Bank has decreased its total deposits by -$12.3 million, resulting in -10.44% 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.



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 $119.62 million in assets with $13.87 million in equity, resulting in a capitalization level of 11.60%, which is excellent.

Institution Statistics

FDIC Certificate #29696
Year Established1936
Primary RegulatorFED
Assets and Liabilities
Assets$119.62 million
Loans$73.56 million
Deposits$105.54 million
Equity Capital$12.47 million
Loan Loss Allowance$1.41 million
Unbacked Noncurrent Loans$2.41 million
Real Estate Owned$341,000
Historic Data - June 2013
Assets$132.61 million
Equity Capital$13.12 million
Loan Loss Allowance$1.47 million
Unbacked Noncurrent Loans$2.41 million
Real Estate Owned$1.01 million
Profit Margin - Quarterly
Return on Assets-0.06%
Return on Equity-0.54%
Interest Income$2.45 million

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Buffalo Federal Savings Bank Locations
Buffalo Federal Savings Bank106 Fort StreetBuffalo, WY 82834
Sheridan Branch1375 Sugarland DriveSheridan, WY 82801
Gillette Branch2900 South Douglas HighwayGillette, WY 82717
Evansville Branch740 Luker LaneEvansville, WY 82636