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
Unfavorable gap of $2.2M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.72% | 1.06% | 1.45% | Beats 65% | 264 / 746 | |
| Return on Equity | 14.16% | 6.74% | 10.51% | 13.63% | Beats 78% | 164 / 746 | |
| Net Interest Margin | 3.52% | 3.17% | 3.68% | 4.16% | Beats 40% | 444 / 746 | |
| Efficiency Ratio | 47.18% | 55.74% | 64.58% | 75.47% | Beats 90% | 72 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.09% | 0.42% | 1.07% | Beats 38% | 459 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 40% | 451 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.78% | 11.55% | 13.75% | 17.60% | Beats 5% | 709 / 746 | |
| Total Risk-Based Capital Ratio | 9.78% | 11.71% | 14.33% | 18.43% | Beats 5% | 711 / 746 | |
| Equity / Assets | 8.85% | 8.90% | 10.51% | 13.06% | Beats 24% | 566 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 100.98% | 61.31% | 78.27% | 90.78% | 91st pctl | 70 / 746 | |
| Loans / Assets | 73.58% | 53.60% | 66.97% | 76.08% | 68th pctl | 239 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |