Bedford Loan & Deposit Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 4.3% to -$2.1M. Within Kentucky, Bedford Loan & Deposit Bank is 9th of 69 on CET1 ratio, 24.37% as of Q2 2026, above the middle of the field. Bedford Loan & Deposit Bank's CET1 ratio of 24.37% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 9.30 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.37% |
| Tier 1 risk-based capital ratio | 24.37% |
| Total risk-based capital ratio | 25.62% |
| Tier 1 leverage ratio | 14.61% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $17.9M |
| Tier 1 capital | $17.9M |
| Total risk-based capital | $18.8M |
| Total equity capital | $15.8M |
| Risk-weighted assets | $73.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.97% |
| Tangible equity to tangible assets | 12.97% |
| Equity capital to average assets | 12.88% |
| Internal capital growth rate | 6.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $690K |
| Retained earnings | $17.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 23.08% | 23.08% | 24.33% | 14.48% | $71.3M |
| Q4 2023 | 24.16% | 24.16% | 25.41% | 14.61% | $68.7M |
| Q1 2024 | 24.12% | 24.12% | 25.37% | 14.72% | $69.5M |
| Q2 2024 | 24.42% | 24.42% | 25.68% | 14.62% | $69.0M |
| Q3 2024 | 24.46% | 24.46% | 25.72% | 15.17% | $69.8M |
| Q4 2024 | 23.97% | 23.97% | 25.22% | 15.15% | $71.9M |
| Q1 2025 | 23.97% | 23.97% | 25.22% | 15.53% | $72.8M |
| Q2 2025 | 24.13% | 24.13% | 25.39% | 15.24% | $72.8M |
| Q3 2025 | 24.13% | 24.13% | 25.39% | 14.87% | $72.9M |
| Q4 2025 | 24.82% | 24.82% | 26.07% | 14.92% | $71.5M |
| Q1 2026 | 24.14% | 24.14% | 25.40% | 14.76% | $73.2M |
| Q2 2026 | 24.37% | 24.37% | 25.62% | 14.61% | $73.5M |
Bedford Loan & Deposit Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bedford Loan & Deposit Bank, freeSource: Call Report Schedule RC-R, 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 Loan & Deposit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11355) · FFIEC NIC profile (RSSD 696047)