Bank Comparison
Bedford Loan & Deposit Bank vs United Bank & Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bedford Loan & Deposit Bank | United Bank & Trust CO. |
|---|---|---|
| CET1 Ratio | 24.14% | 16.39% |
| Tier 1 Capital Ratio | 24.14% | 16.39% |
| Total Capital Ratio | 25.40% | 17.60% |
| Tier 1 Leverage Ratio | 14.76% | 10.52% |
| Equity / Assets | 12.93% | 9.86% |
Profitability
| Metric | Bedford Loan & Deposit Bank | United Bank & Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.31% |
| Return on Equity (ROE) | 5.88% | 13.23% |
| Net Interest Margin (NIM) | 3.94% | 3.43% |
| Yield on Earning Assets | 5.19% | 4.49% |
| Cost of Funds | 1.38% | 1.13% |
Asset quality
| Metric | Bedford Loan & Deposit Bank | United Bank & Trust CO. |
|---|---|---|
| Texas Ratio | 5.99% | 9.54% |
| Non-Performing Loan Ratio | 1.11% | 1.75% |
| Non-Performing Asset Ratio | 0.75% | 1.01% |
| Net Charge-Off Ratio | -0.04% | 0.00% |
| ACL / Loans | 1.60% | 1.29% |
Balance sheet
| Metric | Bedford Loan & Deposit Bank | United Bank & Trust CO. |
|---|---|---|
| Total Assets | $119,636K | $119,556K |
| Total Deposits | $101,722K | $105,743K |
| Total Loans | $80,126K | $68,976K |
| Total Equity | $15,465K | $11,788K |
| Net Income (quarter) | $229 | $392 |
Liquidity & funding
| Metric | Bedford Loan & Deposit Bank | United Bank & Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | 78.77% | 65.23% |
| Core Deposit Ratio | 93.74% | 96.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bedford Loan & Deposit Bank | United Bank & Trust CO. |
|---|---|---|
| Headquarters City | BEDFORD | MARSHALLTOWN |
| Headquarters State | KY | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 28 | 16 |
| Established | Nov. 2, 1891, midnight | June 21, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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