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Bank Of Buffalo
Buffalo, KY · FDIC Certificate #2733 · Chartered 01/0
Total assets
$140.54M
Total deposits
$102.41M
Total equity
$12.44M
Net loans
$102.07M
Branches (offices)
3
Net income (YTD)
$1.12M
Rank: #3,373 of 4,213 U.S. banks by assets · #99 of 120 in Kentucky. Assets changed 11.6% and deposits -2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 18.79% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 8.85% |
| Tier 1 leverage ratio | 9.78% |
| Uninsured deposits (share of deposits) | 8.7% |
| Noncurrent loans (share of loans) | 0.69% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 88.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $90.77M | 88.9% | |
| Commercial & industrial | $4.83M | 4.7% | |
| Consumer / individual | $6.60M | 6.5% | |
| Construction & development | $3.79M | 3.7% | |
| Agricultural | $1.16M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $82.64M | $71.43M | $574.00K | $7.06M |
| Jun 2023 | $97.01M | $79.77M | $620.00K | $7.27M |
| Jun 2024 | $109.44M | $90.08M | $665.00K | $8.54M |
| Jun 2025 | $125.90M | $105.31M | $733.00K | $10.13M |
| Jun 2026 | $140.54M | $102.41M | $1.12M | $12.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $102.41M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $102.41M.
Similar-sized banks
Spur Security Bank ($140.55M) · First Farmers & Merchants National Bank ($140.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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