Bedford Loan & Deposit Bank
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Data as of · sourced from FFIEC call reports. How we update
Bedford Loan & Deposit Bank is an FDIC-insured commercial bank headquartered in Bedford, KY, established in 1891 (FDIC certificate 11355), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $121.8M, up 4.1% from Q2 2025, the 101st largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 24.37% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11355
- Headquarters
- Bedford, KY
- Established
- 1891
- Total assets, Q2 2026
- $121.8M
- Assets vs Q2 2025
- +4.1%
- CET1 ratio, Q2 2026
- 24.37%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083904314
- Latest call report
- Q2 2026, FFIEC 051 · Bedford Loan & Deposit Bank call report
- Holding company
- BEDFORD LOAN AND DEPOSIT BANCORP, INC.
- Asset rank in state
- 101st of 120 in Kentucky
Bedford Loan & Deposit Bank carries far more capital than most banks of its size. It reported $122 million in assets at June 30, 2026, up 4.1% from a year earlier. It holds common equity equal to 24.37% of its risk-weighted assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans equal to only 45% of its capital, about a third the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $290,000, 49% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.27% of loans, down from 1.72% a year earlier. Profitability lags: it returns 7.4% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Bedford Loan & Deposit Bank reported a CET1 capital ratio of 24.37%, a return on assets of 0.95%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 6.96%. The figures come from its call report filed with the FFIEC.
Bedford Loan & Deposit Bank ranks as the 101st largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $121.8M, loans fell 0.6% and deposits rose 1.7%. 1-4 family residential loans made up 67.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 6.6%. The FDIC Summary of Deposits lists 3 offices for it, in Bedford, KY, Lagrange, KY and Pendleton, KY; its Bedford office books 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bedford Loan & Deposit Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 45 Highway 42 E, Bedford, KY 40006
- County
- Trimble
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 2, 1891
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $103.5M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $101K
- Average total assets
- $122.6M
- Average total loans
- $80.3M
- Average interest-bearing deposits
- $69.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11355
- Fed RSSD
- 696047
- SEC CIK
- 2127298 → filed by MEADE BANCORP, INC.
- Website
- www.bedfordbank.com →
- Parent Holding Company
- BEDFORD LOAN AND DEPOSIT BANCORP, INC. (RSSD 2513214)
- Ultimate Parent
- MEADE BANCORP, INC. (RSSD 1100309)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bedford Loan & Deposit Bank's total assets ran between $111.6M (Q4 2024) and $121.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$121.8M total assets against $116.9M; $106.0M total liabilities against $101.9M.
$78.5M net loans and leases against $76.4M; $103.5M total deposits against $97.2M.
$25.3M securities against $26.1M; $12.7M cash and balances due against $8.8M.
$1.5M total interest income against $1.4M; $344K total interest expense against $395K.
$1.2M net interest income against $1.0M.
$159K total noninterest income against $157K; $958K total noninterest expense against $898K.
$28K provision for credit losses against $27K.
$290K net income against $194K.
0.95% return on assets against 0.67%; 4.16% net interest margin against 3.66%.
24.37% CET1 capital ratio against 24.13%; 14.61% tier 1 leverage ratio against 15.24%.
Inside the full Bedford Loan & Deposit Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBedford Loan & Deposit Bank rankings
Its closest position to the top of a national ranking is 171 of 2,134, for CET1 ratio; its furthest is 3,505 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.67% (Q2 2025) to 1.12% (Q3 2025) and its net interest margin ran from 3.50% (Q3 2024) to 4.16% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.37% | 0.95% | 1.27% | 6.96% | 4.16% |
| Q1 2026 | 24.14% | 0.77% | 1.25% | 5.99% | 3.94% |
| Q4 2025 | 24.82% | 0.71% | 1.86% | 8.52% | 3.81% |
| Q3 2025 | 24.13% | 1.12% | 1.32% | 6.24% | 4.04% |
| Q2 2025 | 24.13% | 0.67% | 1.72% | 11.56% | 3.66% |
| Q1 2025 | 23.97% | 0.72% | 1.64% | 11.35% | 3.50% |
| Q4 2024 | 23.97% | 0.76% | 2.62% | 13.28% | 3.58% |
| Q3 2024 | 24.46% | 0.76% | 1.82% | 8.52% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bedford Loan & Deposit Bank (main office) | Bedford , KY | 40006 | $54.3M |
| Oldham County Branch | Lagrange , KY | 40031 | $28.5M |
| Pendleton Branch | Pendleton , KY | 40055 | $20.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 123 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bedford Loan & Deposit Bank
What are Bedford Loan & Deposit Bank's total assets?
As of the Q2 2026 filing, Bedford Loan & Deposit Bank reported total assets of $121.8 million in its FFIEC call report.
Where is Bedford Loan & Deposit Bank headquartered?
It is headquartered in Bedford, KY, United States.
When was Bedford Loan & Deposit Bank founded?
It was established in 1891, per the FDIC institution directory.
Is Bedford Loan & Deposit Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bedford Loan & Deposit Bank?
Bedford Loan & Deposit Bank's primary federal regulator is the FDIC.
What is Bedford Loan & Deposit Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bedford Loan & Deposit Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bedford Loan & Deposit Bank's Texas Ratio?
Its Texas Ratio is 6.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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