Side-by-side · Q2 2026 data
Cowboy State Bank vs Buffalo Federal Bank
Metric by metric
| Measure | Cowboy State Bank | Buffalo Federal Bank |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 74 (stronger) | 54 |
| Loan quality | 70 | 78 (stronger) |
| Earnings | 56 | 72 (stronger) |
| Funding & liquidity | 85 (stronger) | 70 |
| Problem-loan coverage | 64 | 90 (stronger) |
| Peer percentile | 40th | 43rd |
| Total assets | $50.3M | $202.6M |
| Deposits / shares | $44.4M | $175.9M |
| Capital ratio | 12.44% (stronger) | 10.38% |
| Problem loans | 0.91% | 0.67% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.91% | 1.31% (stronger) |
| Loans ÷ deposits | 75.7% (stronger) | 85.6% |
| Uninsured deposits | 5.0% (stronger) | 18.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Cowboy State Bank leads on 3 and Buffalo Federal Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.