BlastPoint's Banking Scorecard
Bank of Buffalo
Micro
Specialty: Other
KY
FDIC cert 2733
Designations: ✓ Community bank
Buffalo, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bank of Buffalo faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$133.1M
+16.1% YoY
+1.8% QoQ
|
-$84.4M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$96.3M
+18.3% YoY
+4.8% QoQ
|
-$42.9M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$106.1M
+12.0% YoY
-2.9% QoQ
|
-$77.6M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.04%
-18.4% YoY
+26.2% QoQ
|
-0.04% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.19%
-0.9% YoY
+4.5% QoQ
|
-0.66% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
55.04%
+2.8% YoY
-1.4% QoQ
|
-12.69% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.79%
-36.1% YoY
-24.7% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
90.77%
+5.7% YoY
+7.9% QoQ
|
+16.24% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
14.69%
+5.6% YoY
-3.5% QoQ
|
-7.71% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.80%
-8.5% YoY
+8.9% QoQ
|
+0.35% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
+3.5% YoY
+25.5% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Efficiency Ratio
Current: 55.04% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
42
42th pctile
Total Loans
Current: $96.3M · Tier avg: $139.2M
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
32
32th pctile
Total Assets
Current: $133.1M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $106.1M · Tier avg: $183.7M
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.45%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.69% · Tier avg: 22.39%
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.77% · Tier avg: 74.53%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.77% · Tier avg: 74.53%
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.69% · Tier avg: 22.39%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.45%
31
31th pctile
Total Deposits
Current: $106.1M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $133.1M · Tier avg: $217.5M
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
42
42th pctile
Total Loans
Current: $96.3M · Tier avg: $139.2M
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
81
81th pctile
Efficiency Ratio
Current: 55.04% · Tier avg: 67.73%