Buffalo Federal Bank: how it compares with its peers
Against 9 WY banks with half to twice its assets, Buffalo Federal Bank's strongest measure in Q2 2026 is net interest margin (4.43% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $6.8M).
| Measure | Buffalo Federal Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.31% | 1.15% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 4.14% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.83% | 65.49% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.8M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.59% | 60.05% | Context |
What it means for lending operations
Its efficiency ratio of 64.83% is better than the 65.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Central Bank and Trust Lander, WY · $203M
- Bank of Commerce Rawlins, WY · $216M
- Tanager Bank Jackson, WY · $222M
- Wyoming Community Bank Riverton, WY · $262M
- State Bank Green River, WY · $115M
- Sundance State Bank Sundance, WY · $291M
Questions about Buffalo Federal Bank
How big is Buffalo Federal Bank?
Buffalo Federal Bank, established in 1936, is headquartered in Buffalo, WY. It reported $203M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Buffalo Federal Bank's return on assets?
1.31% annualized in Q2 2026, against a 1.15% median for 9 WY banks with half to twice its assets, ahead of 56% of them.
What is Buffalo Federal Bank's efficiency ratio?
64.83% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 65.49%, and lower is better.
Is Buffalo Federal Bank growing its loans?
Net loans grew 3.8% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wyoming bank ranked.