Bedford Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 92.2% in Q2 2026, from $1.3M to $2.4M. It was the largest change from Q1 2026 among the key lines here. Bedford Federal Savings Bank ranks 16th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 93.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bedford Federal Savings Bank sits 12.45 points higher, at 93.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $244.1M |
| Net loans and leases | $241.8M |
| Loans held for sale | $2.4M |
| Loans to total assets | 80.57% |
| Loan-to-deposit ratio | 93.29% |
| Net loans to equity capital | 8.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.14% |
| Multifamily (5+ residential) | 0.14% |
| Commercial and industrial | 3.03% |
| Consumer | 2.70% |
| Credit cards | 0.00% |
| Farm | 0.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.49% |
| Construction concentration (Tier 1 capital + allowance) | 136.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.09% |
| Interest income on loans | $4.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $166.0M | $180.4M | 11.11% | 4.95% | 4.97% |
| Q4 2023 | $168.0M | $192.1M | 11.45% | 4.91% | 4.81% |
| Q1 2024 | $172.7M | $185.4M | 11.47% | 5.47% | 4.19% |
| Q2 2024 | $177.7M | $202.1M | 11.40% | 5.20% | 4.16% |
| Q3 2024 | $192.2M | $204.4M | 13.69% | 2.87% | 3.78% |
| Q4 2024 | $204.8M | $221.2M | 12.82% | 3.41% | 3.58% |
| Q1 2025 | $210.8M | $227.1M | 13.67% | 3.17% | 3.54% |
| Q2 2025 | $220.9M | $238.5M | 15.32% | 3.16% | 4.05% |
| Q3 2025 | $225.6M | $242.6M | 17.72% | 3.11% | 3.36% |
| Q4 2025 | $231.1M | $246.6M | 16.78% | 2.81% | 3.17% |
| Q1 2026 | $238.9M | $245.5M | 16.76% | 2.87% | 2.82% |
| Q2 2026 | $244.1M | $261.7M | 17.14% | 3.03% | 2.70% |
Bedford Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bedford Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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)