Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability. A current level of 5.6 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), securities (23%), comm re (16%), consumer loans (6%), comm loans (3%), cash (2%), other (18%)
States with Branches:
KY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Buffalo Bancshares, Inc.
Investment Rating
--
Address
2441 Greensburg Road
Buffalo, KY 42716
Buffalo, KY 42716
Phone Number
(270) 325-3131
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.