Bank Comparison
Fredonia Valley Bank vs Bedford Loan & Deposit Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fredonia Valley Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| CET1 Ratio | — | 24.14% |
| Tier 1 Capital Ratio | — | 24.14% |
| Total Capital Ratio | — | 25.40% |
| Tier 1 Leverage Ratio | 11.76% | 14.76% |
| Equity / Assets | 9.48% | 12.93% |
Profitability
| Metric | Fredonia Valley Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Return on Assets (ROA) | 0.86% | 0.77% |
| Return on Equity (ROE) | 8.94% | 5.88% |
| Net Interest Margin (NIM) | 3.69% | 3.94% |
| Yield on Earning Assets | 5.42% | 5.19% |
| Cost of Funds | 1.84% | 1.38% |
Asset quality
| Metric | Fredonia Valley Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Texas Ratio | 7.56% | 5.99% |
| Non-Performing Loan Ratio | 0.57% | 1.11% |
| Non-Performing Asset Ratio | 0.39% | 0.75% |
| Net Charge-Off Ratio | 0.09% | -0.04% |
| ACL / Loans | 1.53% | 1.60% |
Balance sheet
| Metric | Fredonia Valley Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Total Assets | $120,354K | $119,636K |
| Total Deposits | $106,054K | $101,722K |
| Total Loans | $72,789K | $80,126K |
| Total Equity | $11,408K | $15,465K |
| Net Income (quarter) | $256 | $229 |
Liquidity & funding
| Metric | Fredonia Valley Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.63% | 78.77% |
| Core Deposit Ratio | 97.50% | 93.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fredonia Valley Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Headquarters City | FREDONIA | BEDFORD |
| Headquarters State | KY | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 23 | 28 |
| Established | Jan. 1, 1894, midnight | Nov. 2, 1891, 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.
View full Fredonia Valley Bank profile | View full Bedford Loan & Deposit Bank profile | Browse all bank comparisons