# BUFFALO SAVINGS BANK
BUFFALO, IA · FDIC certificate 219 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $32.9M | |
| Deposits | $29.8M | |
| Loans and leases | $14.1M | |
| Total equity | $2.9M | |
| Loans / deposits | 46.30% (p16 of band) | 70.22% |
| Liquid assets / assets | 54.76% (p82 of band) | |
| Uninsured deposits / deposits | 2.76% (p6 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.36% (p31 of band) | 10.41% |
| Unrealized securities loss / equity | -6.32% (p6 of band) | 0.24% |
| AOCI / equity | 12.74% (p97 of band) | |
| ROA (annualized) | -0.92% (p3 of band) | 0.79% |
| Net interest margin | 3.22% (p28 of band) | 3.62% |
| Efficiency ratio | 132.55% (p98 of band) | |
| Noncurrent loans | 0.81% (p48 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 274.78% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 16.55% (p52 of band) | |
| Auto loans | $448,000 (3.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, charge-offs p90 |  |
| 2011-06 | 4 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2012-12 | 2 | losing money | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-03 | 2 | deposits shrinking, assets shrinking | expense ratio p90, losing money |
| 2013-06 | 2 | AOCI drag >20% of equity | deposits shrinking |
| 2013-09 | 0 |  | assets shrinking, AOCI drag >20% of equity |
| 2013-12 | 2 | AOCI drag >20% of equity, reserve under noncurrent |  |
| 2014-03 | 2 | losing money, expense ratio p90 | AOCI drag >20% of equity, reserve under noncurrent |
| 2014-06 | 4 | capital falling, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-07-11 [Sharon Scherer Obituary Jul 11, 2024 - McGinnis-Chambers Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE1jRVBsS3ZTTWFTbmxvMWZpUGFvdGM1VEVhNXBmekhrYmRoQTRpcGdMaXZXSFA3bDRnZVBOaGtpX1REQVFLaWdXcXQxcUJ2SElQdVp4a01JU2RhT25NR092TkRaSmlkSUNxYmUw?oc=5) · McGinnis-Chambers Funeral Home
- 2017-10-18 [Vintage photos: Buffalo's rich past in industry, banking, more - newyorkupstate.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1BQVJCdWI5a0N0Zm9MclY4RTdnYWRUZUxTRjJsWTdpT2xHQTE5YnROTlF5Q3dTY3FlWDZ6X3RyMlR6Tk5fd2xEQWxySkNCTEJXLVFPemdieWZaSzg5bGRJOEJBYk5HdEdrLXM3Yl80bFN3WGxZbm43NURrSTltMmM?oc=5) · newyorkupstate.com
- 2026-02-06 [Bringing back downtown: New leadership at Buffalo Place sparks renewed focus - buffalonews.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQ3o3b3pucXBlZUl1Z0lWeTJ6QXU5S3JrUmVGTlQ4dDVuLW1BQXNQYmwxd2tldXlVdk5RdGMySkozUGJGbDNjMENueUFyYXFjTmEwRlQwNG5JMEtFTnh1U3p4YlR6ZjZMd1NMZzcwLWJsaGRMbXFMNTBHTm50THVZdl9ic1gzRHF3LTZSWjFjSFdsLU5LdGNqaWcyM0o0S0JYTDZMUjJBR3k?oc=5) · buffalonews.com
- 2025-07-31 [Buffalo Can Be Hard to Love. For These Former Residents, It Was Harder to Stay Away. - WSJ](https://news.google.com/rss/articles/CBMivwFBVV95cUxPbXZoZDZkeGFVd2s4UFhSdlI1N2hKMFRWWkxLLVczTzRNMHNyOXg2WkNFU1R0RW5YQ01EYUxGT2xNVFlycmVEMkpFR1lXaGNqNjlPYTAyWWltWWo4c2tQOEpVcHJUZTZiU0tKYlhwdXNfckthNkU5RWp1OHFnZUpiV0RUa1kyc253SXFrVGJ1bUltVGUtWGxPQUtUbFh3dkJvUUpwbWhBQ3dmMFJwX2ZiaEFaWFZZMjBtU0RyNFNWaw?oc=5) · WSJ
- 2025-08-19 [1985: First Iowa Lottery tickets go on sale - North Scott Press](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZXJMUEpCekRZTUZmbDRPdlNuSHQta1JEME5OU3g2ZEttcS1neFVCemI1WFB2RVZHcG9LekZwVDhvdGhEbjJBUDMxakNBUGFCNW1td2FMeW9CQzJyWDZaa0JtN3VFUnJ1d1U2clo1Mm84X29MSDVoY3ZIb3dpOThTTVVHMmdfZG1ualVCeEpwV0NteEU?oc=5) · North Scott Press
- 2020-05-18 [Beverly Lobdell Obituary (1933 - 2020) - Durant, IA - Quad-City Times - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQekN5Rk0ydFN2OExoQV8zOXdRcGZUclN0NXhIM0xiaEo1aVU2cE5LR2s0SVZuejRpMV9MaTRnRDN4UW8yVGlJRVd1aExUZXc1QTZXeHZQeENlUE9SQlpTRWY1OUxyRTAyNjRfdW94Q0taWGpBem1CY0U5b2w2eUVXOG94Z1N3QTg0TmlUVTZ3?oc=5) · Legacy obituary
- 2021-10-17 [Helen Paul Obituary (1949 - 2021) - Muscatine, IA - The Muscatine Journal - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNbEJwMHgxdG9YaEZBVm85S2dLLTk0bktlVHN1QlBJZFE5WjJTZXBoaTlQUlZmSld1N3BhYzh2OG1WV0dQczJ4MngwRHh6ZGNEczZWMUxFbzAzbUk2NWpTZlhVVnE4aUZGRzV5QzJQZ1BOSDU3b2xlZ1RZWUdCVU82NHdZcnQzQWNzNTRXejV2aU43T29m?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=219 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "219", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide