Buffalo Federal Bank: Bank Stress & Real-Estate Credit Exposure

At 68/100, Buffalo Federal Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #29696. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. At the county level, Buffalo Federal Bank finances markets like Sheridan County, WY, Campbell County, WY, Johnson County, WY — the specific places where its credit posture translates into local lending capacity. DLRadar maps Buffalo Federal Bank into 3 counties (22 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Wyoming (3 counties). What separates this from a plain credit rating is the geographic weighting — Buffalo Federal Bank's 68/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. Read against its 3-county reach, a elevated score sets the credit tone for every market on its map. Because Buffalo Federal Bank is held under Crazy Woman Creek Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 22 ZIP codes Buffalo Federal Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. No bank is too small to score the same way: Buffalo Federal Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 22-ZIP profile means exactly what it would for any institution nationwide.

For buyers, lender stress is an early map of supply: when Buffalo Federal Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.