BANK OF BUFFALO

BUFFALO, KY | Small | Est. Jan. 7, 1901, midnight | FDIC #2733 | RSSD #825940 | FED
Latest Report: 2025-12-31

BANK OF BUFFALO is asn small FDIC-insured commercial bank headquartered in BUFFALO, KY, established in Jan. 7, 1901, midnight. As of 2025-12-31, the bank reported total assets of $133M and total deposits of $106M. Profitability stands at 1.64% ROA and 19.16% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 8.64%. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 3.39%. FDIC Certificate #2733.

Assets

$133M

Deposits

$106M

Loans

$97M

Equity

$12M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 19.16%
Net Interest Margin (NIM) 3.70%
Yield on Assets 6.68%
Cost of Funds 3.02%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.06%
Texas Ratio 3.39%
NPA Ratio 0.32%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 8.64%
Tier 1 Capital 8.64%
Total Capital Ratio 9.07%
Leverage Ratio 9.27%
Loan-to-Deposit 91.87%

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