BEDFORD FEDERAL SAVINGS BANK

BEDFORD, IN | Small | Est. July 1, 1934, midnight | FDIC #29024 | RSSD #946274 | FDIC
Latest Report: 2025-12-31

BEDFORD FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in BEDFORD, IN, established in July 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $286M and total deposits of $247M. Profitability stands at 1.37% ROA and 14.35% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 9.25%. Asset quality metrics show a non-performing loan ratio of 2.00% and a Texas Ratio of 15.55%. FDIC Certificate #29024.

Assets

$286M

Deposits

$247M

Loans

$231M

Equity

$28M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 14.35%
Net Interest Margin (NIM) 4.09%
Yield on Assets 6.58%
Cost of Funds 2.54%

Asset Quality

NPL Ratio 2.00%
Net Charge-Off Ratio 0.10%
Texas Ratio 15.55%
NPA Ratio 1.62%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 9.25%
Tier 1 Capital 9.25%
Total Capital Ratio 9.71%
Leverage Ratio 9.66%
Loan-to-Deposit 93.71%

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