Bank of Buffalo
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Data as of · sourced from FFIEC call reports. How we update
Bank of Buffalo is an FDIC-insured commercial bank headquartered in Buffalo, KY, established in 1901 (FDIC certificate 2733), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $140.5M, up 11.6% from Q2 2025, the 99th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2733
- Headquarters
- Buffalo, KY
- Established
- 1901
- Total assets, Q2 2026
- $140.5M
- Assets vs Q2 2025
- +11.6%
- Tier 1 leverage ratio, Q2 2026
- 9.78%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083904505
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Buffalo call report
- Holding company
- BUFFALO BANCSHARES, INC.
- Asset rank in state
- 99th of 120 in Kentucky
Bank of Buffalo pays more for its money than most banks of its size. The Buffalo, Kentucky bank had $141 million in assets at June 30, 2026, up 11.6% from a year earlier. It pays an average of 2.79% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also lost 2.8% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $633,000, 85% above the same quarter a year earlier. Over the same year, loans grew 15.1% and deposits shrank 2.8%.
As of June 30, 2026, Bank of Buffalo reported a return on assets of 1.84%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 5.15%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Bank of Buffalo is the 99th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.4% to $140.5M, loans rose 4.6% and deposits fell 5.8%. 1-4 family residential loans made up 45.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.1%. Its 3 offices in the FDIC Summary of Deposits are in Hodgenville, KY, Buffalo, KY and Canmer, KY; its Hodgenville office books 46% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Buffalo meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2441 Greensburg Rd, Buffalo, KY 42716
- County
- Larue
- Metro Area
- Elizabethtown, KY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 7, 1901
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $102.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $137.6M
- Average total loans
- $101.2M
- Average interest-bearing deposits
- $89.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2733
- Fed RSSD
- 825940
- Website
- www.thebankofbuffalo.com →
- Parent Holding Company
- BUFFALO BANCSHARES, INC. (RSSD 1096297)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Buffalo reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Buffalo's total assets moved between a low of $99.2M (Q3 2023) and a high of $140.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$140.5M total assets against $125.9M; $128.1M total liabilities against $115.8M.
$102.1M net loans and leases against $89.0M; $102.4M total deposits against $105.3M.
$31.1M securities against $29.1M; $3.8M cash and balances due against $4.8M.
$2.1M total interest income against $1.8M; $872K total interest expense against $908K.
$1.3M net interest income against $919K.
$26K total noninterest income against $33K; $615K total noninterest expense against $459K.
$54K provision for credit losses against $150K.
$633K net income against $343K.
1.84% return on assets against 1.11%; 3.81% net interest margin against 3.10%.
9.78% tier 1 leverage ratio against 9.22%.
Inside the full Bank of Buffalo terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bank of Buffalo rankings
Its closest position to the top of a national ranking is 522 of 3,606, for efficiency ratio; its furthest is 3,360 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.08% (Q3 2025) to 1.84% (Q2 2026) and its net interest margin ran from 3.03% (Q3 2025) to 3.81% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.78% | 1.84% | 0.69% | 5.15% | 3.81% |
| Q1 2026 | 9.42% | 1.44% | 0.80% | 5.98% | 3.46% |
| Q4 2025 | 9.27% | 1.63% | 0.78% | 8.42% | 3.47% |
| Q3 2025 | 9.19% | 0.08% | 1.03% | 7.85% | 3.03% |
| Q2 2025 | 9.22% | 1.11% | 1.18% | 9.60% | 3.10% |
| Q1 2025 | 9.34% | 1.34% | 1.25% | 10.31% | 3.04% |
| Q4 2024 | 9.18% | 1.00% | 1.22% | 10.26% | 3.09% |
| Q3 2024 | 9.54% | 1.60% | 0.21% | 1.64% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hodgenville Branch | Hodgenville , KY | 42748 | $47.2M |
| Bank of Buffalo (main office) | Buffalo , KY | 42716 | $43.5M |
| Canmer Branch | Canmer , KY | 42722 | $11.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 124 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Buffalo
What are Bank of Buffalo's total assets?
As of the Q2 2026 filing, Bank of Buffalo reported total assets of $140.5 million in its FFIEC call report.
Where is Bank of Buffalo headquartered?
It is headquartered in Buffalo, KY, United States.
When was Bank of Buffalo founded?
It was established in 1901, per the FDIC institution directory.
Is Bank of Buffalo FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Buffalo?
Bank of Buffalo's primary federal regulator is the Federal Reserve.
How many branches does Bank of Buffalo operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Buffalo's Texas Ratio?
Its Texas Ratio is 5.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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