Bedford Loan & Deposit 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.
Cre concentration (tier 1 capital + allowance) climbed 2.82 percentage points in Q2 2026, from 42.11% to 44.93%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Bedford Loan & Deposit Bank is 78th of 120 on loan-to-deposit ratio, 76.96% as of Q2 2026, below the middle of the field. Bedford Loan & Deposit Bank reported 76.96% on loan-to-deposit ratio for Q2 2026, 3.88 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $79.7M |
| Net loans and leases | $78.5M |
| Loans held for sale | $0 |
| Loans to total assets | 65.42% |
| Loan-to-deposit ratio | 76.96% |
| Net loans to equity capital | 4.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.44% |
| Multifamily (5+ residential) | 0.07% |
| Commercial and industrial | 0.23% |
| Consumer | 9.72% |
| Credit cards | 0.00% |
| Farm | 6.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.93% |
| Construction concentration (Tier 1 capital + allowance) | 24.01% |
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 | — |
| Interest income on loans | $1.3M |
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 | $77.2M | $96.0M | 7.39% | 0.95% | 10.58% |
| Q4 2023 | $75.3M | $94.5M | 7.72% | 0.99% | 10.12% |
| Q1 2024 | $74.4M | $93.9M | 7.57% | 0.60% | 10.08% |
| Q2 2024 | $74.0M | $94.6M | 7.52% | 0.52% | 10.17% |
| Q3 2024 | $74.7M | $95.0M | 7.30% | 0.46% | 9.89% |
| Q4 2024 | $77.7M | $92.2M | 8.56% | 0.41% | 9.97% |
| Q1 2025 | $77.2M | $94.2M | 8.68% | 0.35% | 10.46% |
| Q2 2025 | $77.5M | $97.2M | 8.48% | 0.32% | 10.68% |
| Q3 2025 | $78.9M | $98.4M | 8.39% | 0.25% | 10.30% |
| Q4 2025 | $77.4M | $97.8M | 8.89% | 0.13% | 10.39% |
| Q1 2026 | $80.1M | $101.7M | 9.29% | 0.17% | 9.74% |
| Q2 2026 | $79.7M | $103.5M | 9.44% | 0.23% | 9.72% |
Bedford Loan & Deposit Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bedford Loan & Deposit 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 Loan & Deposit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11355) · FFIEC NIC profile (RSSD 696047)