Side-by-side · Q2 2026 data
First Federal Bank & Trust vs Buffalo Federal Bank
Metric by metric
| Measure | First Federal Bank & Trust | Buffalo Federal Bank |
|---|---|---|
| TellerScore | 40 | 70 (stronger) |
| Capital cushion | 61 (stronger) | 54 |
| Loan quality | 0 | 78 (stronger) |
| Earnings | 47 | 72 (stronger) |
| Funding & liquidity | 43 | 70 (stronger) |
| Problem-loan coverage | 56 | 90 (stronger) |
| Peer percentile | 2nd | 43rd |
| Total assets | $621.1M | $202.6M |
| Deposits / shares | $551.9M | $175.9M |
| Capital ratio | 11.05% (stronger) | 10.38% |
| Problem loans | 3.29% | 0.67% (stronger) |
| Net charge-offs | 0.39% | -0.00% (stronger) |
| Return on assets | 0.68% | 1.31% (stronger) |
| Loans ÷ deposits | 86.8% | 85.6% (stronger) |
| Uninsured deposits | 42.6% | 18.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Buffalo Federal Bank has the higher TellerScore (70 vs 40). On the 7 directional measures above (where higher or lower is clearly better), First Federal Bank & Trust leads on 1 and Buffalo Federal Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.