Bedford Loan & Deposit Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 41.53 percentage points in Q2 2026, from 143.50% to 185.03%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Bedford Loan & Deposit Bank is 91st of 119 on return on assets, 0.95% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bedford Loan & Deposit Bank sits 0.31 points lower, at 0.95% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.37% |
| Tier 1 risk-based capital ratio | 24.37% |
| Total risk-based capital ratio | 25.62% |
| Tier 1 leverage ratio | 14.61% |
| Equity capital to assets | 12.97% |
| Tangible equity to tangible assets | 12.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.67% |
| Net charge-off ratio | 0.54% |
| Texas ratio | 6.96% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 185.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 7.42% |
| Net interest margin | 4.16% |
| Efficiency ratio | 70.05% |
| Yield on earning assets | 5.34% |
| Cost of funds | 1.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.96% |
| Core deposits to total deposits | 93.61% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.00% |
| Securities to assets | 20.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.08% | 23.08% | 24.33% | 14.48% | 0.99% |
| Q4 2023 | 24.16% | 24.16% | 25.41% | 14.61% | 0.69% |
| Q1 2024 | 24.12% | 24.12% | 25.37% | 14.72% | 0.66% |
| Q2 2024 | 24.42% | 24.42% | 25.68% | 14.62% | 0.60% |
| Q3 2024 | 24.46% | 24.46% | 25.72% | 15.17% | 0.76% |
| Q4 2024 | 23.97% | 23.97% | 25.22% | 15.15% | 0.76% |
| Q1 2025 | 23.97% | 23.97% | 25.22% | 15.53% | 0.72% |
| Q2 2025 | 24.13% | 24.13% | 25.39% | 15.24% | 0.67% |
| Q3 2025 | 24.13% | 24.13% | 25.39% | 14.87% | 1.12% |
| Q4 2025 | 24.82% | 24.82% | 26.07% | 14.92% | 0.71% |
| Q1 2026 | 24.14% | 24.14% | 25.40% | 14.76% | 0.77% |
| Q2 2026 | 24.37% | 24.37% | 25.62% | 14.61% | 0.95% |
Bedford Loan & Deposit Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bedford Loan & Deposit Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)