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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Buffalo, KY · FDIC certificate #2733
BANK OF BUFFALO is an FDIC-insured institution based in Buffalo, KY (FDIC certificate #2733). In its Q3 2026 Call Report it reported total assets of $139M, total deposits of $114M and net loans of $104M. Its primary federal regulator is FED.
Plain-language readout
BANK OF BUFFALO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $141M in Q2 2026 and were lowest at $135M in Q1 2026.
Total deposits were highest at $114M in Q3 2026 and lowest at $102M in Q2 2026.
Over the whole period total assets rose 3.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $139M | $114M | $104M | 1.61% | 18.23% | 3.67% |
| Q2 2026 | $141M | $102M | $102M | 1.65% | 18.79% | 3.71% |
| Q1 2026 | $135M | $109M | $98M | 1.46% | 16.73% | 3.56% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.0M | $1.8M | +$1.2M | +68.7% |
| Federal funds sold | $777K | $466K | +$311K | +66.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $31.1M | $31.5M | -$398K | -1.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $102.1M | $97.6M | +$4.5M | +4.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $472K | $453K | +$19K | +4.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.1M | $2.9M | +$242K | +8.4% |
| Total assets | $140.5M | $134.7M | +$5.9M | +4.4% |
| Liabilities | ||||
| Total deposits | $102.4M | $108.7M | -$6.3M | -5.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $25.0M | $13.3M | +$11.7M | +87.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $673K | $761K | -$88K | -11.6% |
| Total liabilities | $128.1M | $122.8M | +$5.3M | +4.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $26K | $26K | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $5.5M | $4.8M | +$633K | +13.1% |
| Accumulated other comprehensive income | -$1.0M | -$940K | -$67K | -7.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $12.4M | $11.9M | +$566K | +4.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $710K | $787K | -$77K | -9.8% |
| Adjusted nonperforming assets | $710K | $787K | -$77K | -9.8% |
| Tangible equity plus allowance | $13.8M | $13.2M | +$620K | +4.7% |
| Texas ratio (gross) | 5.15% | 5.98% | -0.83 pts | See points |
| Texas ratio (adjusted) | 5.15% | 5.98% | -0.83 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.15% | 5.98% | -0.83 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.78% | 9.42% | +0.36 pts | See points |
| Construction and land loans to total capital | 25.63% | 25.58% | +0.05 pts | See points |
| Commercial real estate to total capital | 62.29% | 63.95% | -1.66 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.30% | -7.15% | -0.15 pts | See points |
| Liquidity | ||||
| Core deposits | $76.2M | $75.5M | +$718K | +1.0% |
| Non-core funding | $51.2M | $46.5M | +$4.7M | +10.0% |
| Loans to core deposits | 135.65% | 130.95% | +4.70 pts | See points |
| Loans to deposits | 100.98% | 90.96% | +10.01 pts | See points |
| Brokered deposits share of deposits | 10.05% | 14.53% | -4.48 pts | See points |
| Pledged securities share of securities | 7.32% | 7.37% | -0.04 pts | See points |
| Loans pledged, share of loans | 43.90% | 42.92% | +0.97 pts | See points |
| Volatile liabilities | $51.2M | $46.5M | +$4.7M | +10.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.3M | $633K | +$687K | +108.5% |
| Earnings before provision, single quarter | $687K | $633K | +$54K | +8.5% |
| Provision for credit losses, year to date | $198K | $144K | +$54K | +37.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.10% | 6.93% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 6.25% | 5.97% | +0.28 pts | See points |
| Cost of interest-bearing transaction accounts | 0.97% | 0.81% | +0.16 pts | See points |
| Cost of savings and money market deposits | 0.06% | 0.13% | -0.07 pts | See points |
| Cost of time deposits | 3.74% | 3.86% | -0.11 pts | See points |
| Total interest expense to average assets | 2.54% | 2.60% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $139M | $114M | $104M | 1.61% | 18.23% | 3.67% |
| 2026-06-30 | $141M | $102M | $102M | 1.65% | 18.79% | 3.71% |
| 2026-03-31 | $135M | $109M | $98M | 1.46% | 16.73% | 3.56% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $105.3M | 0.09% | 124 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.