Bank Comparison
Peoples Bank, the vs Bank of Buffalo
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Peoples Bank, the | Bank of Buffalo |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.27% | 9.42% |
| Equity / Assets | 11.06% | 8.82% |
Profitability
| Metric | Peoples Bank, the | Bank of Buffalo |
|---|---|---|
| Return on Assets (ROA) | 0.59% | 1.44% |
| Return on Equity (ROE) | 5.31% | 16.73% |
| Net Interest Margin (NIM) | 3.96% | 3.46% |
| Yield on Earning Assets | 6.31% | 6.11% |
| Cost of Funds | 2.47% | 2.92% |
Asset quality
| Metric | Peoples Bank, the | Bank of Buffalo |
|---|---|---|
| Texas Ratio | 3.99% | 5.98% |
| Non-Performing Loan Ratio | 0.29% | 0.15% |
| Non-Performing Asset Ratio | 0.49% | 0.11% |
| Net Charge-Off Ratio | 0.24% | 0.07% |
| ACL / Loans | 1.53% | 1.31% |
Balance sheet
| Metric | Peoples Bank, the | Bank of Buffalo |
|---|---|---|
| Total Assets | $135,207K | $134,672K |
| Total Deposits | $119,651K | $108,709K |
| Total Loans | $105,818K | $98,887K |
| Total Equity | $14,956K | $11,878K |
| Net Income (quarter) | $198 | $489 |
Liquidity & funding
| Metric | Peoples Bank, the | Bank of Buffalo |
|---|---|---|
| Loan-to-Deposit Ratio | 88.44% | 90.96% |
| Core Deposit Ratio | 87.29% | 83.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank, the | Bank of Buffalo |
|---|---|---|
| Headquarters City | MARION | BUFFALO |
| Headquarters State | KY | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 28 | 18 |
| Established | Oct. 1, 1946, midnight | Jan. 7, 1901, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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