BEDFORD LOAN & DEPOSIT BANK

BEDFORD, KY | Small | Est. Nov. 2, 1891, midnight | FDIC #11355 | RSSD #696047 | FDIC
Latest Report: 2025-12-31

BEDFORD LOAN & DEPOSIT BANK is asn small FDIC-insured commercial bank headquartered in BEDFORD, KY, established in Nov. 2, 1891, midnight. As of 2025-12-31, the bank reported total assets of $118M and total deposits of $98M. Profitability stands at 0.71% ROA and 5.40% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 24.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.12% and a Texas Ratio of 5.13%. FDIC Certificate #11355.

Assets

$118M

Deposits

$98M

Loans

$77M

Equity

$16M

Profitability

Return on Assets (ROA) 0.71%
Return on Equity (ROE) 5.40%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.46%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 1.12%
Net Charge-Off Ratio 0.03%
Texas Ratio 5.13%
NPA Ratio 0.74%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 24.82%
Tier 1 Capital 24.82%
Total Capital Ratio 26.07%
Leverage Ratio 14.92%
Loan-to-Deposit 79.16%

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