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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

5.43%Q2 ’245.67%Q2 ’255.82%Q2 ’26+9%+6%

Non-interest income vs. expense

2.86%Q2 ’242.91%Q2 ’253.03%Q2 ’26+2%+5%

Executive Summary

  • Earnings: ROA of 1.28%, up 28 bps year over year; NIM at 4.05%.
  • 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 (quarter, annualized)

1.28%+28 bps YoY

Net Interest Margin (quarter, annualized)

4.05%+22 bps YoY

Efficiency Ratio (quarter, annualized)

65.80%-72 bps YoY

Tier 1 Leverage Ratio

10.38%+50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.22%1.25%1.33%1.28%+28 bps
Return on Equity12.59%14.58%14.88%15.90%14.69%+210 bps
Net Interest Margin3.84%4.10%3.97%3.98%4.05%+22 bps
Efficiency Ratio66.52%69.07%66.41%63.86%65.80%-72 bps
Non-Interest Burden2.37%2.62%2.44%2.35%2.48%+11 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 / Loans0.09%-0.01%0.02%-0.01%0.00%-9 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