| Metric | Bank of Buffalo | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +4.4% | +7.3 pts |
| Deposit growth (YoY) | -2.8% | +4.0% | -6.7 pts |
| Loan growth (YoY) | +14.7% | +5.6% | +9.1 pts |
| ROA | 1.65% | 1.24% | +0.4 pts |
| ROE | 18.8% | 11.9% | +6.9 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.5M | $102.4M | $102.1M | $12.4M | $1.1M | 1.65% | 3.71% | 0.51% |
| Q1 2026 | $134.7M | $108.7M | $97.6M | $11.9M | $489K | 1.46% | 3.56% | 0.58% |
| Q4 2025 | $133.1M | $106.1M | $96.3M | $11.5M | $1.3M | 1.04% | 3.19% | 0.80% |
| Q3 2025 | $130.8M | $109.2M | $91.8M | $11.1M | $760K | 0.83% | 3.05% | 0.74% |
| Q2 2025 | $125.9M | $105.3M | $89.0M | $10.1M | $733K | 1.22% | 3.09% | 0.84% |
| Q1 2025 | $118.7M | $100.0M | $84.1M | $9.6M | $390K | 1.34% | 3.05% | 0.90% |
| Q4 2024 | $114.7M | $94.7M | $81.4M | $9.0M | $1.4M | 1.28% | 3.22% | 0.88% |
| Q3 2024 | $111.8M | $90.2M | $77.9M | $9.6M | $1.1M | 1.37% | 3.26% | 0.15% |
Loan mix (Q2 2026): real estate $90.8M · commercial $4.8M · consumer $6.6M · securities $31.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Buffalo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.2% | 62.9% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Buffalo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Buffalo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Buffalo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Buffalo | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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