Bedford Federal Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.44 percentage points lower than in Q1 2026, at 108.84%. Bedford Federal Savings Bank ranks 16th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 93.29% (Q2 2026). Bedford Federal Savings Bank reported 93.29% on loan-to-deposit ratio for Q2 2026, 12.45 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $36.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.29% |
| Net loans and leases to deposits | 92.40% |
| Loans and leases to core deposits | 108.84% |
| Core deposits to total deposits | 79.98% |
| Brokered deposits to total deposits | 5.73% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 91.99% | 86.87% | $0 | $9.0M |
| Q4 2023 | 87.43% | 87.22% | $0 | $8.7M |
| Q1 2024 | 93.18% | 82.40% | $0 | $8.2M |
| Q2 2024 | 87.93% | 84.96% | $0 | $8.2M |
| Q3 2024 | 94.04% | 84.45% | $0 | $10.0M |
| Q4 2024 | 92.61% | 78.78% | $0 | $10.0M |
| Q1 2025 | 92.81% | 82.85% | $0 | $10.0M |
| Q2 2025 | 92.60% | 79.14% | $0 | $10.0M |
| Q3 2025 | 93.01% | 83.33% | $0 | $10.0M |
| Q4 2025 | 93.71% | 81.45% | $0 | $10.0M |
| Q1 2026 | 97.31% | 81.04% | $0 | $10.0M |
| Q2 2026 | 93.29% | 79.98% | $0 | $10.0M |
Bedford Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Bedford Federal Savings Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bedford Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29024) · FFIEC NIC profile (RSSD 946274)