Bank of Buffalo: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 3220.79 percentage points in Q2 2026, from 854.97% to 4075.76%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Bank of Buffalo is 24th of 119 on return on assets, 1.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Buffalo sits 0.59 points higher, at 1.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.78% |
| Equity capital to assets | 8.85% |
| Tangible equity to tangible assets | 8.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.15% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 4075.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 20.82% |
| Net interest margin | 3.81% |
| Efficiency ratio | 46.74% |
| Yield on earning assets | 6.38% |
| Cost of funds | 2.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.98% |
| Core deposits to total deposits | 74.44% |
| Brokered deposits to total deposits | 10.05% |
| Deposits to assets | 72.87% |
| Securities to assets | 22.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.84% | 1.83% | 3.09% | 0.04% | 0.01% |
| Q4 2023 | 9.25% | 1.02% | 3.05% | 0.01% | -0.02% |
| Q1 2024 | 9.43% | 1.53% | 3.10% | 0.32% | -0.02% |
| Q2 2024 | 9.43% | 0.97% | 3.27% | 0.21% | 0.36% |
| Q3 2024 | 9.54% | 1.60% | 3.27% | 0.17% | 0.04% |
| Q4 2024 | 9.18% | 1.00% | 3.09% | 0.16% | -0.06% |
| Q1 2025 | 9.34% | 1.34% | 3.04% | 0.15% | 0.01% |
| Q2 2025 | 9.22% | 1.11% | 3.10% | 0.14% | 0.01% |
| Q3 2025 | 9.19% | 0.08% | 3.03% | 0.46% | 0.24% |
| Q4 2025 | 9.27% | 1.63% | 3.47% | 0.13% | 0.00% |
| Q1 2026 | 9.42% | 1.44% | 3.46% | 0.15% | 0.07% |
| Q2 2026 | 9.78% | 1.84% | 3.81% | 0.03% | 0.00% |
Bank of Buffalo vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Buffalo, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)