# BANK OF BUFFALO
BUFFALO, KY · FDIC certificate 2733 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $140.5M | |
| Deposits | $102.4M | |
| Loans and leases | $103.4M | |
| Total equity | $12.4M | |
| Loans / deposits | 99.67% (p91 of band) | 73.59% |
| Liquid assets / assets | 24.81% (p31 of band) | |
| Uninsured deposits / deposits | 8.74% (p10 of band) | 19.81% |
| Brokered deposits | 7.32% | |
| Wholesale funding | 25.12% (p97 of band) | |
| FHLB advances / assets | 17.80% | |
| Tier 1 leverage | 9.78% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -7.89% (p46 of band) | -6.57% |
| AOCI / equity | -1.44% (p19 of band) | |
| ROA (annualized) | 1.65% (p75 of band) | 1.17% |
| Net interest margin | 3.71% (p38 of band) | 3.93% |
| Efficiency ratio | 47.18% (p10 of band) | |
| Noncurrent loans | 0.69% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p74 of band) | |
| Reserve coverage of noncurrent | 189.44% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 30.47% (p64 of band) | |
| Auto loans | $3.4M (3.28% of loans; DQ 3.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 | capital falling, uninsured deposits leaving | reserve under noncurrent, charge-offs p90 |
| 2013-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2014-03 | 2 | charge-offs p90 | wholesale funding >15%, capital falling |
| 2014-06 | 3 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 4 | noncurrent p90 |  |
| 2015-09 | 3 |  | noncurrent p90 |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | uninsured deposits leaving |  |
| 2016-06 | 4 | noncurrent p90 | uninsured deposits leaving |
| 2016-09 | 5 | capital falling |  |
| 2016-12 | 4 |  | noncurrent p90 |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 5 | noncurrent p90, charge-offs p90 |  |
| 2017-09 | 4 | capital falling | noncurrent p90, charge-offs p90 |
| 2017-12 | 3 | charge-offs p90 | brokered >10%, capital falling |
| 2018-03 | 4 | brokered >10%, uninsured deposits leaving | charge-offs p90 |
| 2018-06 | 4 | noncurrent p90 | uninsured deposits leaving |
| 2018-09 | 3 |  | brokered >10% |
| 2018-12 | 2 |  | noncurrent p90 |
| 2019-03 | 4 | noncurrent p90, charge-offs p90 |  |
| 2019-06 | 4 | deposits shrinking, uninsured deposits leaving | noncurrent p90, charge-offs p90 |
| 2019-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 3 | deposits shrinking |  |
| 2020-03 | 2 |  | deposits shrinking |
| 2020-06 | 1 |  | wholesale funding >15% |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 0 |  | reserve under noncurrent, capital falling |
| 2021-06 | 1 | reserve under noncurrent |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2022-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | charge-offs p90 |  |
| 2024-09 | 2 |  | uninsured deposits leaving, charge-offs p90 |
| 2024-12 | 3 | reserve under noncurrent |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | capital falling | reserve under noncurrent |
| 2025-12 | 1 |  | brokered >10%, capital falling |
| 2026-03 | 2 | brokered >10% |  |
| 2026-06 | 1 |  | brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-12 [Execs land on St. Louis Fed boards - Louisville Business First - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdEZfNXJ2ZWlabFM3Z1hMU1FFcW9oUFQtTHExUTFUOEpwRGl2RV9RUDE5Y3NCaEl4Q2FIZnFWRVpKSVNvTjR6OUFucXViQm1pM1pkcTM2aENqaGlqZ2wyMmEweDk1RnZUUXBHUzJCUVpBSXItM1JpVlhvYWhhMGgzWVZwNVloZHpFSjJTb2YydmN5a1haY2c?oc=5) · The Business Journals
- 2021-08-17 [Carrie Warren promoted to bank president - The News-Enterprise](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQT0x1Y255cTVRNEpIZ1NnZWNWZjBITE9YRVZ1MWRlVjN3dGxta1psX19HV3ZVM2QwOU0tRGdsSDYyY3VDem5JdUhvN2g2X2kxRnlEU1hfZC1rOUh4S19LNjJ1MzNSdlZMM1Q1TjlwaWgteXh2UjVuQ2FWQW56dTZQVUpmQjR2ZHN2aUhscG9ONl96cEFUUG5nS3VDU09yTkNodmJFTm9mVkZfQU5hSEN1ejNSSWVaODNKbjNyLVI4UTlKVVpjVk9RR1NEczRkaU8wSnZzaw?oc=5) · The News-Enterprise
- 2026-07-01 [Chamber recognizes community leaders - pmg-ky2.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPbmhocVdxbmJwem11bTJIMHpkQUo5TmhZbVVyT19IT2R2eS1xMnJ4RC0zMTU1VkxfOEJUSlo3XzFlenJnVXV1TGJzVEdmYVBrc1FRemwyQUxrRmhMWjhEVGtvSjJwUnVVTjNMSDRSQ1BaTG5xWkhhVGJMNkNKNUJkb1dFZWpDUXE3ZEx3WGxWbnR4UkFSWGtqM3V2a0RaTEkyOWV5eG5mMDdvTHhXeW9Xd3pnejhCbDQ1Sk13YWp3MXhTQUE?oc=5) · pmg-ky2.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - Android Police](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · Android Police
- 2024-01-08 [Condrad Daniels joins board of St. Louis Fed's Louisville branch - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxNT2d5VEV0cU5LYm1XMFBTN05CaEZUc3ZDclNzbTI5cktEelNGbWdRN3Z5Ym5ZRlNLNGUwaHN1bUI0SENjRGVMZEtHeTdEQXRFR3BHSk1nOTBXbWZNTXNmcldGMi1ycGd5QnAtOVhGTmkzQkZDdGwxNVRpa3d1YXpDdGN6d09MMlRiNXdGdmktQzdZZw?oc=5) · The Business Journals
- 2024-07-01 [This East Coast State Just Got Its First Railbike Route — and It's Filled With Waterfall Views - Travel + Leisure](https://news.google.com/rss/articles/CBMinAFBVV95cUxNcFNJV2VWdmM3UDRvZ3dfQUs3VWN4YnFaUUZ0aklxbHZTN09GR2JGaW1LTUdXek52VWlNNC1fZzd3bWxYUTJHblhvaUNWck15eXVLcHBLU21uMjJsNWR6OXNEQ2V5cmxTMjJTdWJtSnJGZ1BWWmZqMUsxNlFSZC1jcVdoc2swR0cxR3E1TjdoSjlwQkJFbVpTc0s1OEI?oc=5) · Travel + Leisure
- 2021-09-26 [Joel Sprowls Obituary (1927 - 2020) - Hodgenville, KY - The Kentucky Standard - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQY3RUcUpWZkhPVTQ4S085UnJySktLaHE2LU9EcmtlZ2ZWOS1OZjBqLVRheElwRXI0bTIzUHRSOTRrVE5reEpGa3pJbWdZTXAxazZWUWRTcl9zMC13U0tDQzRoRm5BY0h5ajdTMldSRk9vV09pYkk3Z01SZk0yQVduM1plVHgxQUc4NDdHRmx3?oc=5) · Legacy obituary
- 2023-07-04 [Lori Kathleen Masterson Barnes - The News-Enterprise](https://news.google.com/rss/articles/CBMitAFBVV95cUxPRU5JQUxrMTRLWWRLd3R5ZjNQNjVkXzVjbURjcDYxdlBOcFJtbnhmSjhBN2J1ZURMbmdKMjE1RVR3Uy16LW9jZzhpVlRxTUVuNlNheVB6cVdxcmRPcndfU2lNenp1NUdJaTdNb3JFTmYwdjlEY1c4SnBFaF9tNG01TGo4Zk01bnkyN3V4OVp4NVoyNkl5MGotZ0RFeDFyYi1aclRibGhZcDRnVHQ4eG9KUnVLbW0?oc=5) · The News-Enterprise

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2733 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "2733", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide