| Metric | Buffalo Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.31% | 1.24% | +0.1 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $202.6M | $175.9M | $150.5M | $18.3M | $1.4M | 1.31% | 4.43% | 0.50% |
| Q1 2026 | $210.3M | $184.1M | $143.7M | $17.8M | $695K | 1.33% | 4.37% | 0.32% |
| Q4 2025 | $208.2M | $177.5M | $142.8M | $17.2M | $2.1M | 1.06% | 4.25% | 0.49% |
| Q3 2025 | $195.4M | $166.2M | $144.9M | $16.6M | $1.5M | 1.01% | 4.23% | 0.36% |
| Q2 2025 | $195.7M | $170.0M | $145.0M | $16.2M | $888K | 0.90% | 4.09% | 0.44% |
| Q1 2025 | $201.1M | $176.0M | $137.4M | $15.6M | $389K | 0.79% | 3.90% | 0.84% |
| Q4 2024 | $193.4M | $169.3M | $135.0M | $14.7M | $1.8M | 0.94% | 3.87% | 0.68% |
| Q3 2024 | $188.4M | $163.1M | $135.0M | $15.6M | $1.3M | 0.91% | 3.83% | 0.71% |
Loan mix (Q2 2026): real estate $122.8M · commercial $16.1M · consumer $6.0M · securities $27.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Buffalo Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 62.9% | 56th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Buffalo Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Buffalo Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Buffalo Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Buffalo Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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