Bedford Loan & Deposit Bank
Operating from Bedford, KY, Bedford Loan & Deposit Bank serves its local market as an FDIC-insured commercial bank. Total assets stand at $120M. Earnings are mid-range — 0.77% ROA and a 3.94% net interest margin. Capital is comfortably above regulatory minimums — CET1 ratio of 24.14% sits well above the 7% well-capitalized threshold. Asset quality is solid — 1.11% nonperforming loans and a 5.99% Texas Ratio. It operates 3 branches, primarily in Kentucky.
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
- Fed District
- 9
- Established
- November 2, 1891
- Branches
- 3 domestic
- Employees (FTE)
- 28
- FDIC Cert
- 11355
- Fed RSSD
- 696047
- Website
- www.bedfordbank.com →
- Parent Holding Company
- BEDFORD LOAN AND DEPOSIT BANCORP, INC. (RSSD 2513214)
Capital & Liquidity
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Bedford Loan & Deposit Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Bedford Loan & Deposit Bank
What are Bedford Loan & Deposit Bank's total assets?
As of the Q1 2026 filing, Bedford Loan & Deposit Bank reported total assets of $119.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bedford Loan & Deposit Bank headquartered?
Bedford Loan & Deposit Bank is headquartered in BEDFORD, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bedford Loan & Deposit Bank founded?
Bedford Loan & Deposit Bank was established in 1891, per the FDIC institution directory.
Is Bedford Loan & Deposit Bank FDIC-insured?
Yes. Bedford Loan & Deposit Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bedford Loan & Deposit Bank's CET1 capital ratio?
Bedford Loan & Deposit Bank reported a Common Equity Tier 1 (CET1) capital ratio of 24.14% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bedford Loan & Deposit Bank operate?
Bedford Loan & Deposit Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bedford Loan & Deposit Bank's Texas Ratio?
Bedford Loan & Deposit Bank's Texas Ratio is 5.99% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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