Bedford Loan & Deposit Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bedford Loan & Deposit Bank of Bedford, KY 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 | 0.95% | 1.34% | -0.39% | 30th below |
| ROAE | 7.42% | 13.32% | -5.90% | 23rd bottom |
| Net Interest Margin | 4.16% | 3.93% | +0.23% | 62nd above |
| Efficiency Ratio | 70.05% | 61.13% | +8.92% | 28th below |
| PPNR / Avg Assets | 1.28% | 1.68% | -0.40% | 32nd below |
| Yield on Earning Assets | 5.34% | 5.67% | -0.33% | 37th below |
| Cost of Funds | 1.33% | 1.88% | -0.55% | 78th top |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.81% | 0.94% | -0.13% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.67% | 0.70% | -0.03% | 31st below |
| NCO / Avg Loans | 0.54% | 0.16% | +0.38% | 6th bottom |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| ACL / NPLs (Coverage) | 185.03% | 1546.30% | -1361.27% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.96% | 7.34% | -0.38% | 31st below |
| Provision / NCO | 55.45% | 1395.11% | -1339.66% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.37% | 19.48% | +4.89% | 87th top |
| Tier 1 Ratio | 24.37% | 19.52% | +4.85% | 87th top |
| Total Capital Ratio | 25.62% | 20.60% | +5.02% | 88th top |
| Leverage Ratio | 14.61% | 12.14% | +2.47% | 85th top |
| Equity / Assets | 12.97% | 11.36% | +1.61% | 78th top |
| TCE / Tangible Assets | 12.97% | 11.08% | +1.89% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.96% | 80.66% | -3.70% | 58th above |
| Core Deposit Ratio | 93.61% | 86.85% | +6.76% | 77th top |
| Wholesale Funding Ratio | 1.85% | 5.04% | -3.19% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.13% | 6.84% | -2.71% | 48th below |
| Loan Growth (Y/Y) | 2.72% | 7.92% | -5.20% | 35th below |
| Deposit Growth (Y/Y) | 6.49% | 6.29% | +0.20% | 67th above |
See Bedford Loan & Deposit Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bedford Loan & Deposit 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 Loan & Deposit Bank profile, how to read a UBPR, or how this data updates.