Side-by-side · Q2 2026 data
Buffalo Federal Bank vs State Bank
Metric by metric
| Measure | Buffalo Federal Bank | State Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 67 |
| Capital cushion | 54 (stronger) | 45 |
| Loan quality | 78 | 89 (stronger) |
| Earnings | 72 (stronger) | 64 |
| Funding & liquidity | 70 (stronger) | 58 |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 43rd | 34th |
| Total assets | $202.6M | $115.4M |
| Deposits / shares | $175.9M | $104.0M |
| Capital ratio | 10.38% (stronger) | 9.54% |
| Problem loans | 0.67% | 0.34% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.31% (stronger) | 1.09% |
| Loans ÷ deposits | 85.6% (stronger) | 87.8% |
| Uninsured deposits | 18.9% (stronger) | 27.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Buffalo Federal Bank has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Buffalo Federal Bank leads on 6 and State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.