Side-by-side · Q2 2026 data
Rnb State Bank vs Buffalo Federal Bank
Metric by metric
| Measure | Rnb State Bank | Buffalo Federal Bank |
|---|---|---|
| TellerScore | 65 | 70 (stronger) |
| Capital cushion | 36 | 54 (stronger) |
| Loan quality | 97 (stronger) | 78 |
| Earnings | 32 | 72 (stronger) |
| Funding & liquidity | 89 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 29th | 43rd |
| Total assets | $296.2M | $202.6M |
| Deposits / shares | $276.5M | $175.9M |
| Capital ratio | 8.63% | 10.38% (stronger) |
| Problem loans | 0.09% (stronger) | 0.67% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.31% | 1.31% (stronger) |
| Loans ÷ deposits | 57.6% (stronger) | 85.6% |
| Uninsured deposits | 25.4% | 18.9% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Buffalo Federal Bank has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Rnb State Bank leads on 2 and Buffalo Federal Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.