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Bank of Buffalo

Buffalo, KY · Cert 2733 · Buffalo Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Buffalo

Buffalo, KY · Cert 2733 · Buffalo Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$140.5MAssets
$103.4MLoans
$102.4MDeposits
$12.4MEquity
Loan mix
89%RE $87.0M4%C&I $4.2M7%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $85.3M17%Noninterest $17.1MQ2 2025Q2 2026

NIM

5.59%Q2 ’245.70%Q2 ’256.07%Q2 ’26-6%+23%

Non-interest income vs. expense

1.68%Q2 ’241.55%Q2 ’251.71%Q2 ’26-9%+11%

Market Position · Elizabethtown, KY · 2026 SOD (annual) · 2.9% share · #9 of 15 inst. · $0.1B of $3.2B

18.6% Larue
4.0% Hart

Executive Summary

  • Earnings: ROA of 1.29%, up 33 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.69% of loans (-49 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.78%, up 56 bps from a year ago.
  • Funding: loans stand at 100.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+65 bps YoY

Efficiency Ratio (YTD, annualized)

47.18%-478 bps YoY

Tier 1 Leverage Ratio

9.78%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.65%0.82%1.15%1.29%+33 bps
Return on Equity12.03%8.00%10.00%13.15%14.75%+272 bps
Net Interest Margin2.87%2.79%2.86%3.36%3.52%+65 bps
Efficiency Ratio51.96%55.84%55.04%47.12%47.18%-478 bps
Non-Interest Burden1.44%1.51%1.53%1.50%1.60%+16 bps
Growth
Asset Growth (YoY)15.03%17.02%16.06%13.45%11.63%-340 bps
Loan Growth (YoY)18.23%18.30%18.65%16.55%15.08%-315 bps
Deposit Growth (YoY)16.90%21.09%11.98%8.75%-2.75%-1,965 bps
Asset Quality
Nonperforming Loans / Loans1.18%1.03%0.78%0.80%0.69%-49 bps
Net Charge-Offs / Loans0.01%0.08%0.06%0.07%0.03%+2 bps
Allowance / Loans0.99%1.25%1.20%1.31%1.30%+31 bps
Allowance Coverage of NPLs0.8x1.2x1.5x1.6x1.9x+1.1x
Capital
Tier 1 Leverage Ratio9.22%9.19%9.27%9.42%9.78%+56 bps
Total Risk-Based Capital9.22%9.19%9.27%9.42%9.78%+56 bps
Equity / Assets8.05%8.48%8.64%8.82%8.85%+81 bps
Liquidity & Funding
Loans / Deposits85.34%85.15%91.87%90.96%100.98%+1,564 bps
Liquid Assets / Assets0.05%0.05%0.04%0.05%0.17%+12 bps
CRE / Total Capitaln/a215%225%224%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Buffalo

Buffalo, KY · Cert 2733 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Buffalo Bancshares Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$140.5MAssets
$103.4MLoans
$102.4MDeposits
$12.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets operating in a single state (rank 72 of 746).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets operating in a single state (rank 711 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.25%

Rank 264 of 746

Net Interest Margin

3.52%

Rank 444 of 746

Efficiency Ratio

47.18%

Rank 72 of 746

Equity / Assets

8.85%

Rank 566 of 746

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state
Bank 47.18%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.72%1.06%1.45%Beats 65%264 / 746
Return on Equity14.16%6.74%10.51%13.63%Beats 78%164 / 746
Net Interest Margin3.52%3.17%3.68%4.16%Beats 40%444 / 746
Efficiency Ratio47.18%55.74%64.58%75.47%Beats 90%72 / 746
Asset Quality
Nonperforming Loans / Loans0.69%0.09%0.42%1.07%Beats 38%459 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 40%451 / 743
Capital
Tier 1 Capital Ratio9.78%11.55%13.75%17.60%Beats 5%709 / 746
Total Risk-Based Capital Ratio9.78%11.71%14.33%18.43%Beats 5%711 / 746
Equity / Assets8.85%8.90%10.51%13.06%Beats 24%566 / 746
Liquidity & Funding
Loans / Deposits100.98%61.31%78.27%90.78%91st pctl70 / 746
Loans / Assets73.58%53.60%66.97%76.08%68th pctl239 / 746
Brokered Deposits / Depositsn/aNot reported for this institution