Bank of Buffalo: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 10.01 percentage points in Q2 2026, from 90.96% to 100.98%. It was the largest change from Q1 2026 among the key lines here. Among 120 Kentucky banks, Bank of Buffalo sits 11th from the top on loan-to-deposit ratio, 100.98% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Buffalo sits 20.14 points higher, at 100.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $103.4M |
| Net loans and leases | $102.1M |
| Loans held for sale | $0 |
| Loans to total assets | 73.58% |
| Loan-to-deposit ratio | 100.98% |
| Net loans to equity capital | 8.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.54% |
| Multifamily (5+ residential) | 3.81% |
| Commercial and industrial | 4.68% |
| Consumer | 6.38% |
| Credit cards | 0.00% |
| Farm | 13.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.29% |
| Construction concentration (Tier 1 capital + allowance) | 25.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.10% |
| Interest income on loans | $1.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $68.3M | $79.8M | 18.13% | 4.08% | 10.66% |
| Q4 2023 | $71.2M | $84.3M | 18.82% | 4.55% | 10.32% |
| Q1 2024 | $73.3M | $85.3M | 19.28% | 5.12% | 8.65% |
| Q2 2024 | $76.0M | $90.1M | 19.25% | 5.66% | 9.75% |
| Q3 2024 | $78.6M | $90.2M | 19.18% | 4.60% | 7.86% |
| Q4 2024 | $82.1M | $94.7M | 19.35% | 6.80% | 7.14% |
| Q1 2025 | $84.8M | $99.9M | 19.29% | 4.26% | 7.16% |
| Q2 2025 | $89.9M | $105.3M | 22.41% | 4.31% | 8.30% |
| Q3 2025 | $93.0M | $109.2M | 22.40% | 4.65% | 8.34% |
| Q4 2025 | $97.4M | $106.1M | 21.26% | 4.63% | 7.53% |
| Q1 2026 | $98.9M | $108.7M | 21.49% | 4.26% | 6.81% |
| Q2 2026 | $103.4M | $102.4M | 20.54% | 4.68% | 6.38% |
Bank of Buffalo loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Buffalo, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Buffalo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2733) · FFIEC NIC profile (RSSD 825940)