Bank of Buffalo
Buffalo, Kentucky · FDIC Cert #2733
This is the FDIC profile for Bank of Buffalo, an FDIC-insured bank (Certificate #2733) with $109M in total assets and $90M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Buffalo, Kentucky, the bank maintains a Tier 1 capital ratio of 9.43% (Well-Capitalized) and a nonperforming loan ratio of 0.21%. BankHealthData assigns a composite Health Grade of B (78/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Buffalo (FDIC cert 2733) is a community bank — $109M in total assets, $90M in deposits, serving the Buffalo, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.43% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.21% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 27.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.25% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bank of Buffalo carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Buffalo
- Total Assets
- $109M
- Total Deposits
- $90M
- Tier 1 Capital Ratio
- 9.43%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.21%
- Liquidity Ratio
- 27.32%
- Return on Assets
- 1.25%
- Headquarters
- Buffalo, Kentucky
- FDIC Certificate
- #2733
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bank of Buffalo files quarterly Call Reports with the FDIC under Certificate #2733. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bank of Buffalo holds a Tier 1 capital ratio of 9.43%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Buffalo has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Buffalo shows strong financial health indicators. With $109M in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Buffalo Compares
Bank of Buffalo’s Health Score of 78 is 3 points below the Kentucky state average of 81 across 103 FDIC-insured banks. Its 9.43% Tier 1 capital ratio is 4.6 points below the US banking industry average near 14%. The 0.21% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.25% is in line with or above the national ROA benchmark of ~1.1%. Among 1157 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Bank of Buffalo is 2 points below the portfolio average of 80.
Frequently Asked Questions
Bank of Buffalo has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.43%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Buffalo's Tier 1 capital ratio of 9.43% and nonperforming loan ratio of 0.21% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Buffalo is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2733). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Buffalo holds $109M in total assets and $90M in total deposits. It is headquartered in Buffalo, Kentucky (FDIC Certificate #2733).
Bank of Buffalo's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #2733 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bank of Buffalo has a Tier 1 capital ratio of 9.43%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.21%, and the return on assets is 1.25%.
Yes. Bank of Buffalo is FDIC-insured (Certificate #2733). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Buffalo's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.