Bank of Buffalo: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.35 percentage points to 3.81%. Within Kentucky, Bank of Buffalo is 73rd of 119 on net interest margin, 3.81% as of Q2 2026, below the middle of the field. Bank of Buffalo reported 3.81% on net interest margin for Q2 2026, 0.14 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.38% |
| Yield on loans | 7.10% |
| Yield on securities | 4.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.79% |
| Cost of interest-bearing deposits | 3.22% |
| Cost of interest-bearing liabilities | 3.24% |
| Cost of borrowings | 3.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $872K |
| Interest expense on deposits | $714K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.32% | 2.49% | 3.09% | 6.13% | 3.53% |
| Q4 2023 | 5.49% | 3.03% | 3.05% | 5.97% | 3.77% |
| Q1 2024 | 5.60% | 3.09% | 3.10% | 6.40% | 3.68% |
| Q2 2024 | 5.93% | 3.16% | 3.27% | 6.73% | 3.78% |
| Q3 2024 | 6.02% | 3.30% | 3.27% | 6.83% | 3.90% |
| Q4 2024 | 6.05% | 3.57% | 3.09% | 6.80% | 3.73% |
| Q1 2025 | 5.96% | 3.13% | 3.04% | 6.76% | 3.81% |
| Q2 2025 | 6.11% | 3.14% | 3.10% | 6.92% | 3.69% |
| Q3 2025 | 6.12% | 3.22% | 3.03% | 6.78% | 4.22% |
| Q4 2025 | 6.25% | 3.03% | 3.47% | 7.04% | 3.92% |
| Q1 2026 | 6.11% | 2.87% | 3.46% | 6.93% | 3.84% |
| Q2 2026 | 6.38% | 2.79% | 3.81% | 7.10% | 4.20% |
Bank of Buffalo yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Buffalo, freeSource: Call Report Schedules RI and RC-K, 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)