FDIC Cert #2733 · Buffalo, Kentucky · Est. 1901

Bank of Buffalo - FDIC Bank Health Profile

A community-scale look at Bank of Buffalo's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$133M
Total assets
B
Health grade · Good
1.04%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Buffalo earns a PlainBankData health grade of B (66/100), with 9.27% Tier 1 capital, profitable at 1.04% ROA, efficient (55% cost ratio).

#3,500
largest of 4,313 FDIC banks by assets
19th
percentile by asset size, nationally
9.27%
Tier 1 ratio - below the 10% well-capitalized line
46th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 2733 · KY B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3493/4307
  • PHOTO-FINISH MidSouth Bank · AL
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-CLEAN 6.0% Texas
  • ROA-PAR 1.04% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: MidSouth Bank, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Buffalo

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Buffalo · KY · this …66/100HNB First Bank · AL · near66/100MidSouth Bank · AL · near66/100Points West Communit… · CO ·…66/100The National Grand B… · MA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Buffalo · July 2026

What Bank of Buffalo's Call Report plate shows

Bank of Buffalo (FDIC Cert #2733) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,493 of 4,307. Tier 1 capital prints at 9.27%, missing the 10% well-capitalized line. The Texas Ratio is 5.99%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.04%. Balance-sheet scale is $133M, 3,500th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is MidSouth Bank (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Buffalo

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Bank of Buffalo's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Buffalo remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Bank of Buffalo's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Bank of Buffalo's composite health score
Tier 1 Capital Ratio (9.27%) 18/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (5.99%) 16/20
Efficiency Ratio (55.04%) 12/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$133M

Total balance-sheet footings

Total Deposits

$106M

Customer-funded liabilities

Net Loans

$96M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.87% 9.27% 10.67%
Basel III capital ratios - Bank of Buffalo

Where Bank of Buffalo ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Buffalo's score of 66/100 falls in the highlighted band.

Bank of Buffalo: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 19th percentile higher than 19% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Buffalo 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Buffalo's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Buffalo's $133M falls in the highlighted band.

Safety ratios for Bank of Buffalo

Tier 1 capital ratio
Well-capitalized 10%

9.27% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.27%
Texas Ratio
5.99%
Equity Capital
$12M

What these ratios mean →

Earnings posture at Bank of Buffalo

Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
12.67%
Efficiency Ratio
55.04%

What these mean →

Income & expense at Bank of Buffalo

$7M
Interest Income
$143K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Buffalo reports a Texas Ratio of 5.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Buffalo on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($133M here), outside Kentucky so the neighborhood is not state containment.

Worthington Federal Savings Bank, FSB $133M · MN Banner Banks $133M · WI First National Bank of Dublin $133M · TX Community Bank $133M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Buffalo (FDIC Cert #2733) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Buffalo Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%