Buffalo, KY · Cert 2733 · Buffalo Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Elizabethtown, KY · 2026 SOD (annual) · 2.9% share · #9 of 15 inst. · $0.1B of $3.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.01% | 1.05% | 0.96% | 0.65% | 0.82% | 1.15% | 1.29% | +33 bps | |
| Return on Equity | 13.59% | 12.72% | 13.19% | 12.03% | 8.00% | 10.00% | 13.15% | 14.75% | +272 bps | |
| Net Interest Margin | 3.01% | 2.94% | 2.92% | 2.87% | 2.79% | 2.86% | 3.36% | 3.52% | +65 bps | |
| Efficiency Ratio | 50.61% | 53.56% | 55.98% | 51.96% | 55.84% | 55.04% | 47.12% | 47.18% | -478 bps | |
| Non-Interest Burden | 1.47% | 1.52% | 1.58% | 1.44% | 1.51% | 1.53% | 1.50% | 1.60% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.72% | 10.34% | 11.54% | 15.03% | 17.02% | 16.06% | 13.45% | 11.63% | -340 bps | |
| Loan Growth (YoY) | 15.18% | 15.38% | 15.82% | 18.23% | 18.30% | 18.65% | 16.55% | 15.08% | -315 bps | |
| Deposit Growth (YoY) | 13.08% | 12.33% | 17.24% | 16.90% | 21.09% | 11.98% | 8.75% | -2.75% | -1,965 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 1.22% | 1.25% | 1.18% | 1.03% | 0.78% | 0.80% | 0.69% | -49 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.07% | 0.01% | 0.01% | 0.08% | 0.06% | 0.07% | 0.03% | +2 bps | |
| Allowance / Loans | 0.88% | 0.91% | 0.87% | 0.99% | 1.25% | 1.20% | 1.31% | 1.30% | +31 bps | |
| Allowance Coverage of NPLs | 4.1x | 0.7x | 0.7x | 0.8x | 1.2x | 1.5x | 1.6x | 1.9x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.54% | 9.18% | 9.34% | 9.22% | 9.19% | 9.27% | 9.42% | 9.78% | +56 bps | |
| Total Risk-Based Capital | 9.54% | 9.18% | 9.34% | 9.22% | 9.19% | 9.27% | 9.42% | 9.78% | +56 bps | |
| Equity / Assets | 8.62% | 7.88% | 8.07% | 8.05% | 8.48% | 8.64% | 8.82% | 8.85% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.15% | 86.70% | 84.88% | 85.34% | 85.15% | 91.87% | 90.96% | 100.98% | +1,564 bps | |
| Liquid Assets / Assets | 0.06% | 0.03% | 0.03% | 0.05% | 0.05% | 0.04% | 0.05% | 0.17% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 215% | 225% | 224% | n/a | n/a | |