BanksBEDFORD LOAN & DEPOSIT BANK

BEDFORD LOAN & DEPOSIT BANK

BEDFORD, KYSmallEst. Nov. 2, 1891, midnightFDIC #11355RSSD #696047FDIC
Latest · 2025-12-31

BEDFORD LOAN & DEPOSIT BANK is an 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%. CET1 capital ratio: 24.82%, well above regulatory minimums. NPL ratio: 1.12% · Texas Ratio: 5.13%. Operates 3 domestic branches.

Assets
$118M
Deposits
$98M
Loans
$77M
Equity
$16M

Profitability

Return on Assets (ROA)0.71%
Return on Equity (ROE)5.40%
Net Interest Margin3.99%
Yield on Assets5.46%
Cost of Funds1.57%

Asset Quality

NPL Ratio1.12%
Net Charge-Off Ratio0.03%
Texas Ratio5.13%
NPA Ratio0.74%
ACL / Loans1.61%

Capital & Liquidity

CET1 Ratio24.82%
Tier 1 Capital24.82%
Total Capital Ratio26.07%
Leverage Ratio14.92%
Loan-to-Deposit79.16%

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