BlastPoint's Banking Scorecard
Bank of Buffalo
Buffalo, KY
3 branches across KY
Bank of Buffalo has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.19% above tier average
- + Efficiency Ratio 18.17% below tier average
- + Delinquency Rate 0.08% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.7M
+13.4% YoY
+1.2% QoQ
|
-$251.4M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.5% in tier |
| Total Loans ? |
$97.6M
+16.0% YoY
+1.4% QoQ
|
-$158.1M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$108.7M
+8.7% YoY
+2.5% QoQ
|
-$219.3M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.3% in tier |
| Return on Assets ? |
1.46%
+9.3% YoY
+40.0% QoQ
|
+0.19% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
65% |
| Net Interest Margin ? |
3.56%
+16.7% YoY
+11.6% QoQ
|
-0.37% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
47.12%
-15.8% YoY
-14.4% QoQ
|
-18.17% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
Top 11.4% in tier |
| Delinquency Rate ? |
0.81%
-36.3% YoY
+2.3% QoQ
|
-0.08% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
89.78%
+6.7% YoY
-1.1% QoQ
|
+13.14% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
15.43%
-2.5% YoY
+5.0% QoQ
|
-6.59% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.58%
-34.8% YoY
-27.0% QoQ
|
-0.05% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
9.42%
+0.8% YoY
+1.6% QoQ
|
-6.41% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.7% in tier |
| Non-Interest Income / Assets ? |
0.04%
+33.5% YoY
-63.4% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.2% in tier |
Get Full Access to Bank of Buffalo
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.