BlastPoint's Banking Scorecard
Bank of Buffalo
Buffalo, KY
3 branches across KY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits -2.8% year over year ($102.4M on the books).
- Delinquency rate 0.70%.
- Return on assets 1.65%.
- Efficiency ratio 47.18% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Buffalo has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.33% above tier average
- + Efficiency Ratio 17.30% below tier average
- + Delinquency Rate 0.22% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier average
- - Net Interest Margin 0.28% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$140.5M
+11.6% YoY
+4.4% QoQ
|
-$246.0M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.5% in tier |
| Total Loans ? |
$102.1M
+14.7% YoY
+4.6% QoQ
|
-$156.3M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$102.4M
-2.8% YoY
-5.8% QoQ
|
-$224.3M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.9% in tier |
| Return on Assets ? |
1.65%
+34.7% YoY
+12.9% QoQ
|
+0.33% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
3.71%
+20.1% YoY
+4.2% QoQ
|
-0.28% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
47.18%
-9.2% YoY
+0.1% QoQ
|
-17.30% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
Top 12.0% in tier |
| Delinquency Rate ? |
0.70%
-41.5% YoY
-13.7% QoQ
|
-0.22% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
99.67%
+18.0% YoY
+11.0% QoQ
|
+21.71% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.66%
+26.1% YoY
+8.0% QoQ
|
-5.37% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.51%
-39.9% YoY
-13.6% QoQ
|
-0.16% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
9.78%
+6.1% YoY
+3.8% QoQ
|
-6.13% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.0% in tier |
| Non-Interest Income / Assets ? |
0.06%
+4.1% YoY
+42.8% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.7%
+3.4pp YoY +1.2pp QoQ |
-5.5pp | 22.1% | 23.5% | 22.2% | 31% |
| Brokered Deposits |
10.0%
-8.8pp YoY -4.5pp QoQ |
+2.2pp | 7.9% | 5.4% | 8.5% | 75% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.7%
+0.4pp YoY +0.4pp QoQ |
-6.8pp | 11.6% | 8.6% | 12.5% | 18% |
| CRE |
28.4%
+2.3pp YoY -1.1pp QoQ |
-11.2pp | 39.5% | 37.1% | 41.4% | 32% |
| 1-4 Family |
46.5%
-0.3pp YoY +0.8pp QoQ |
+13.9pp | 32.6% | 41.6% | 31.3% | 79% |
| Consumer |
6.5%
-1.9pp YoY -0.4pp QoQ |
+2.4pp | 4.1% | 4.8% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
9.8%
+0.6pp YoY +0.4pp QoQ |
-2.4pp | 12.2% | 14.0% | 12.6% | 26% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
+2 (+12.5%) YoY 0 QoQ |
-41 | 58 | 105 | 482 | 8% |
| Assets per Employee ($) |
$7.8M
-0.8% YoY +4.4% QoQ |
+$289K | $7.5M | $6.3M | $8.8M | 65% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
-0.4pp YoY 0.0pp QoQ |
+0.3pp | 0.3% | 0.3% | 0.4% | 87% |
| Nonaccrual |
0.0%
-0.1pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 8% |
| Allowance Coverage |
1.89x
+124.4% YoY +15.5% QoQ |
-22.26x | 24.15x | 7.45x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.8%
+3.5pp YoY +2.1pp QoQ |
+6.6pp | 12.2% | 13.3% | 11.6% | 84% |
| Cost of Funds (YTD) |
2.7%
-0.3pp YoY -0.1pp QoQ |
+1.0pp | 1.7% | 1.7% | 1.7% | 94% |
| Net Income ($, YTD) |
$1.1M
+53.1% YoY — QoQ |
-$1.4M | $2.6M | $5.1M | $40.4M | 30% |
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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.