Side-by-side · Q2 2026 data
Bank of Buffalo vs Hart County Bank and Trust Company
Bank
Hart County Bank and Trust Company
Munfordville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Bank of Buffalo | Hart County Bank and Trust Company |
|---|---|---|
| TellerScore | 69 | 93 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 61 (stronger) | 50 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 40th | 94th |
| Total assets | $140.5M | $24.1M |
| Deposits / shares | $102.4M | $16.1M |
| Capital ratio | 9.78% | 34.31% (stronger) |
| Problem loans | 0.69% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.65% | 2.51% (stronger) |
| Loans ÷ deposits | 99.7% (stronger) | 112.7% |
| Uninsured deposits | 8.7% (stronger) | 10.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hart County Bank and Trust Company has the higher TellerScore (93 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Bank of Buffalo leads on 2 and Hart County Bank and Trust Company on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.