Bank Comparison
Headwaters State Bank vs Bedford Loan & Deposit Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Headwaters State Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| CET1 Ratio | — | 24.14% |
| Tier 1 Capital Ratio | — | 24.14% |
| Total Capital Ratio | — | 25.40% |
| Tier 1 Leverage Ratio | 11.08% | 14.76% |
| Equity / Assets | 15.93% | 12.93% |
Profitability
| Metric | Headwaters State Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Return on Assets (ROA) | 0.89% | 0.77% |
| Return on Equity (ROE) | 5.60% | 5.88% |
| Net Interest Margin (NIM) | 3.28% | 3.94% |
| Yield on Earning Assets | 5.46% | 5.19% |
| Cost of Funds | 2.42% | 1.38% |
Asset quality
| Metric | Headwaters State Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Texas Ratio | 38.95% | 5.99% |
| Non-Performing Loan Ratio | 6.33% | 1.11% |
| Non-Performing Asset Ratio | 4.25% | 0.75% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.06% | 1.60% |
Balance sheet
| Metric | Headwaters State Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Total Assets | $119,616K | $119,636K |
| Total Deposits | $100,361K | $101,722K |
| Total Loans | $80,289K | $80,126K |
| Total Equity | $19,059K | $15,465K |
| Net Income (quarter) | $267 | $229 |
Liquidity & funding
| Metric | Headwaters State Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.00% | 78.77% |
| Core Deposit Ratio | 96.35% | 93.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Headwaters State Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| Headquarters City | LAND O'LAKES | BEDFORD |
| Headquarters State | WI | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 15 | 28 |
| Established | Sept. 1, 1921, 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.
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