Bank of Buffalo: how it compares with its peers
Against 44 KY banks with half to twice its assets, Bank of Buffalo's strongest measure in Q2 2026 is efficiency ratio (47.18% vs. a 63.17% peer median). Its weakest relative measure is net interest margin (3.71% vs. 4.15%).
| Measure | Bank of Buffalo | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.27% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 4.15% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.18% | 63.17% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $5.5M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.67% | 79.08% | Context |
What it means for lending operations
Its efficiency ratio of 47.18% is better than the 63.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Cadiz and Trust Company Cadiz, KY · $143M
- The Peoples Bank Taylorsville, KY · $145M
- The Peoples Bank Marion, KY · $135M
- Hyden Citizens Bank Hyden, KY · $149M
- The Sacramento Deposit Bank Sacramento, KY · $150M
- Independent Correspondent Bankers' Bank, Inc. Frankfort, KY · $151M
Questions about Bank of Buffalo
How big is Bank of Buffalo?
Bank of Buffalo, established in 1901, is headquartered in Buffalo, KY. It reported $141M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Buffalo's return on assets?
1.65% annualized in Q2 2026, against a 1.27% median for 44 KY banks with half to twice its assets, ahead of 68% of them.
What is Bank of Buffalo's efficiency ratio?
47.18% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 63.17%, and lower is better.
Is Bank of Buffalo growing its loans?
Net loans grew 14.7% over the year to Q2 2026, while deposits shrank 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.