PackageTrendsPeer
Letter portraitLegal landscape

Buffalo Federal Bank

Buffalo, WY · Cert 29696 · Crazy Woman Creek Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Buffalo Federal Bank

Buffalo, WY · Cert 29696 · Crazy Woman Creek Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$202.6MAssets
$153.2MLoans
$175.9MDeposits
$18.3MEquity
Loan mix
86%RE $119.8M9%C&I $13.1M4%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $150.0M15%Noninterest $25.9MQ2 2025Q2 2026

NIM

5.33%Q2 ’245.51%Q2 ’255.82%Q2 ’26+7%+10%

Non-interest income vs. expense

2.85%Q2 ’242.93%Q2 ’252.98%Q2 ’26+7%+1%

Executive Summary

  • Earnings: ROA of 1.31%, up 41 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.67% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.38%, up 50 bps from a year ago.
  • Funding: loans stand at 87.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+37 bps YoY

Efficiency Ratio (YTD, annualized)

64.83%-506 bps YoY

Tier 1 Leverage Ratio

10.38%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%1.01%1.06%1.33%1.31%+41 bps
Return on Equity11.49%12.58%13.18%15.90%15.28%+379 bps
Net Interest Margin3.68%3.84%3.79%3.98%4.04%+37 bps
Efficiency Ratio69.89%69.59%68.76%63.86%64.83%-506 bps
Non-Interest Burden2.41%2.50%2.43%2.35%2.43%+2 bps
Growth
Asset Growth (YoY)6.55%3.69%7.62%4.58%3.49%-306 bps
Loan Growth (YoY)6.52%7.29%5.74%4.56%3.71%-281 bps
Deposit Growth (YoY)6.30%1.92%4.87%4.59%3.47%-283 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.48%0.70%0.47%0.67%+9 bps
Net Charge-Offs / Loans0.04%0.02%0.02%-0.01%0.00%-4 bps
Allowance / Loans1.82%1.83%1.85%1.84%1.76%-7 bps
Allowance Coverage of NPLs3.1x3.8x2.6x3.9x2.6x-0.5x
Capital
Tier 1 Leverage Ratio9.88%10.02%9.96%9.93%10.38%+50 bps
Total Risk-Based Capital9.88%10.02%9.96%9.93%10.38%+50 bps
Equity / Assets8.26%8.50%8.27%8.45%9.05%+80 bps
Liquidity & Funding
Loans / Deposits86.92%88.78%81.92%79.50%87.12%+20 bps
Liquid Assets / Assets0.02%0.02%0.03%0.12%0.09%+7 bps
CRE / Total Capitaln/a297%291%278%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Buffalo Federal Bank

Buffalo, WY · Cert 29696 · Peer group: banks under $1B in assets (n=573-620) · Crazy Woman Creek Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$202.6MAssets
$153.2MLoans
$175.9MDeposits
$18.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets (rank 105 of 620).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets (rank 538 of 620).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.34%

Rank 185 of 620

Net Interest Margin

4.04%

Rank 152 of 620

Efficiency Ratio

64.83%

Rank 251 of 620

Equity / Assets

9.05%

Rank 462 of 620

Non-interest income vs. expense

$1.2M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 60% of banks under $1B in assets
Bank 64.83%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%0.60%1.00%1.45%Beats 70%185 / 620
Return on Equity14.81%5.30%9.30%13.29%Beats 83%105 / 620
Net Interest Margin4.04%3.02%3.53%4.04%Beats 75%152 / 620
Efficiency Ratio64.83%58.35%68.08%79.37%Beats 60%251 / 620
Asset Quality
Nonperforming Loans / Loans0.67%0.09%0.47%1.27%Beats 41%337 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 63%216 / 573
Capital
Tier 1 Capital Ratio10.38%11.27%13.87%18.78%Beats 15%528 / 620
Total Risk-Based Capital Ratio10.38%11.69%14.57%19.67%Beats 13%538 / 620
Equity / Assets9.05%9.03%10.60%13.73%Beats 25%462 / 620
Liquidity & Funding
Loans / Deposits87.12%65.08%79.69%92.47%64th pctl210 / 585
Loans / Assets75.63%51.85%67.17%77.86%70th pctl189 / 620
Brokered Deposits / Depositsn/aNot reported for this institution