Bedford Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bedford Federal Savings Bank of Bedford, IN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.64% | 1.34% | +0.30% | 71st above |
| ROAE | 17.11% | 13.32% | +3.79% | 76th top |
| Net Interest Margin | 4.17% | 3.93% | +0.24% | 63rd above |
| Efficiency Ratio | 47.42% | 61.13% | -13.71% | 86th top |
| PPNR / Avg Assets | 2.45% | 1.68% | +0.77% | 88th top |
| Yield on Earning Assets | 6.46% | 5.67% | +0.79% | 86th top |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.69% | 0.94% | +0.75% | 16th bottom |
| NPA / Total Assets | 1.36% | 0.70% | +0.66% | 14th bottom |
| NCO / Avg Loans | 0.16% | 0.16% | +0.00% | 15th bottom |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 21st bottom |
| ACL / NPLs (Coverage) | 56.44% | 1546.60% | -1490.16% | 13th bottom |
| Texas Ratio | 12.76% | 7.34% | +5.42% | 16th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 298.96% | 1395.36% | -1096.40% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.96% | 12.14% | -2.18% | 31st below |
| Equity / Assets | 9.88% | 11.37% | -1.49% | 43rd below |
| TCE / Tangible Assets | 9.88% | 11.08% | -1.20% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.29% | 80.66% | +12.63% | 22nd bottom |
| Core Deposit Ratio | 79.98% | 86.85% | -6.87% | 16th bottom |
| Wholesale Funding Ratio | 3.30% | 5.04% | -1.74% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.90% | 6.84% | +3.06% | 82nd top |
| Loan Growth (Y/Y) | 10.52% | 7.92% | +2.60% | 75th top |
| Deposit Growth (Y/Y) | 9.71% | 6.29% | +3.42% | 82nd top |
See Bedford Federal Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bedford Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bedford Federal Savings Bank profile, how to read a UBPR, or how this data updates.