Bank of Buffalo: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Buffalo of Buffalo, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 80th top |
| ROAE | 20.82% | 13.31% | +7.51% | 89th top |
| Net Interest Margin | 3.81% | 3.93% | -0.12% | 43rd below |
| Efficiency Ratio | 46.74% | 61.14% | -14.40% | 87th top |
| PPNR / Avg Assets | 2.00% | 1.68% | +0.32% | 72nd above |
| Yield on Earning Assets | 6.38% | 5.67% | +0.71% | 83rd top |
| Cost of Funds | 2.79% | 1.88% | +0.91% | 9th bottom |
| Net Interest Spread | 3.14% | 3.32% | -0.18% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 81st top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 82nd top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) | 4075.76% | 1538.29% | +2537.47% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.15% | 7.33% | -2.18% | 40th below |
| Provision / NCO | 1100.00% | 1395.55% | -295.55% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.78% | 12.14% | -2.36% | 27th below |
| Equity / Assets | 8.85% | 11.37% | -2.52% | 25th below |
| TCE / Tangible Assets | 8.85% | 11.09% | -2.24% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.98% | 80.63% | +20.35% | 10th bottom |
| Core Deposit Ratio | 74.44% | 86.86% | -12.42% | 8th bottom |
| Wholesale Funding Ratio | 17.80% | 5.03% | +12.77% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.63% | 6.85% | +4.78% | 87th top |
| Loan Growth (Y/Y) | 15.08% | 7.90% | +7.18% | 86th top |
| Deposit Growth (Y/Y) | -2.75% | 6.29% | -9.04% | 11th bottom |
See Bank of Buffalo's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Buffalo, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Buffalo profile, how to read a UBPR, or how this data updates.