Headquartered in Buffalo, Kentucky, Bank of Buffalo is a state-chartered bank (fed member) with $140.5M in total assets and $102.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1901.
Bank of Buffalo has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 77th. Problem-loan coverage contributes the most (90/100, 5.1%); capital cushion contributes the least (48/100, 9.78%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (61 → 69), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 61 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 60 |
| Q4 2025 | 62 |
| Q1 2026 | 66 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.43% |
| Q3 2024 | 9.54% |
| Q4 2024 | 9.18% |
| Q1 2025 | 9.34% |
| Q2 2025 | 9.22% |
| Q3 2025 | 9.19% |
| Q4 2025 | 9.27% |
| Q1 2026 | 9.42% |
| Q2 2026 | 9.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.21% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.78% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.34% |
| Q2 2025 | 1.22% |
| Q3 2025 | 0.83% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $140.5M | 9.78% | 0.69% | 1.65% | 99.7% |
| Q1 2026 | 66 | $134.7M | 9.42% | 0.80% | 1.46% | 89.8% |
| Q4 2025 | 62 | $133.1M | 9.27% | 0.78% | 1.04% | 90.8% |
| Q3 2025 | 60 | $130.8M | 9.19% | 1.03% | 0.83% | 84.1% |
| Q2 2025 | 61 | $125.9M | 9.22% | 1.18% | 1.22% | 84.5% |
| Q1 2025 | 61 | $118.7M | 9.34% | 1.25% | 1.34% | 84.1% |
| Q4 2024 | 61 | $114.7M | 9.18% | 1.22% | 1.28% | 85.9% |
| Q3 2024 | 73 | $111.8M | 9.54% | 0.21% | 1.37% | 86.4% |
| Q2 2024 | 72 | $109.4M | 9.43% | 0.21% | 1.25% | 83.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of Cadiz and Trust CompanyBank Cadiz, KY | 74 out of 100, Strong | $142.9M | 9.1% | 0.00% | vs |
| The Peoples BankBank Taylorsville, KY | 74 out of 100, Strong | $145.0M | 10.8% | 0.97% | vs |
| The Peoples BankBank Marion, KY | 73 out of 100, Strong | $135.3M | 11.6% | 0.23% | vs |
| Hyden Citizens BankBank Hyden, KY | 73 out of 100, Strong | $148.6M | 9.2% | 0.54% | vs |
| The Sacramento Deposit BankBank Sacramento, KY | 74 out of 100, Strong | $149.8M | 9.5% | 0.76% | vs |
| Independent Correspondent Bankers' Bank, Inc.Bank Frankfort, KY | 69 out of 100, Moderate | $151.4M | 13.2% | 0.99% | vs |
Deposit insurance
Is my money safe at Bank of Buffalo?
Yes. Bank of Buffalo is an FDIC-insured institution (FDIC certificate #2733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.7% of deposits ($9.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Bank of Buffalo lists 3 offices in 3 cities. Most locations:
- Buffalo, KY (1)
- Canmer, KY (1)
- Hodgenville, KY (1)
Identity & history
Profile
- Legal name
- Bank of Buffalo
- Former names
- The First National Bank of Buffalo
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 2733
- RSSD ID
- 825940
- Primary regulator
- FED
- Holding company
- Buffalo Bancshares Inc
- Established
- January 7, 1901
- Headquarters
- 2441 Greensburg Rd, Buffalo, KY 42716
- Website
- www.thebankofbuffalo.com
- Employees
- 18
Quick answers
Bank of Buffalo: common questions
Is Bank of Buffalo FDIC insured?
Yes. Bank of Buffalo is an FDIC-insured institution (FDIC certificate #2733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Buffalo's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Buffalo ever failed?
There is no failure record for FDIC certificate #2733 in the FDIC failed bank list.
How many branches does Bank of Buffalo have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Buffalo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hart County Bank and Trust CompanyBank Munfordville, KY | 93 out of 100, Very strong | $24.1M | 34.3% | 0.00% | vs |
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |