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Bedford Loan & Deposit Bank

$100M-$1B Specialty: Consumer KY FDIC cert 11355

Bedford, KY

3 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +6.5% year over year ($103.5M on the books).
  • Delinquency rate 1.29%.
  • Return on assets 0.87%.
  • Efficiency ratio 73.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.80% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Bedford Loan & Deposit Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 23.8% in tier
  • - ROA 0.46% below tier average
  • - Efficiency Ratio 8.67% above tier average
  • - Delinquency Rate 0.37% above tier average
Get updates when Bedford Loan & Deposit Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $121.8M
+4.1% YoY +1.8% QoQ
-$264.8M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 6.1% in tier
Total Loans ? $78.5M
+2.7% YoY -0.5% QoQ
-$179.9M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 9.8% in tier
Total Deposits ? $103.5M
+6.5% YoY +1.7% QoQ
-$223.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 6.3% in tier
Return on Assets ? 0.87%
+24.7% YoY +12.4% QoQ
-0.46% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 4.09%
+11.2% YoY +3.1% QoQ
+0.10% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 73.14%
-3.8% YoY -3.0% QoQ
+8.67% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 1.29%
-26.3% YoY +1.4% QoQ
+0.37% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 75.80%
-3.5% YoY -2.2% QoQ
-2.15% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 30.96%
-2.1% YoY -1.5% QoQ
+8.93% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.97%
-39.4% YoY +15.8% QoQ
+0.30% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 24.37%
+1.0% YoY +0.9% QoQ
+8.46% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 7.5% in tier
Non-Interest Income / Assets ? 0.26%
-5.7% YoY +97.1% QoQ
-0.31% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 31.0%
-0.7pp YoY
-0.5pp QoQ
 +8.8pp 22.1% 23.5% 22.2% 84%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 0.2%
-0.1pp YoY
+0.1pp QoQ
 -11.3pp 11.6% 8.6% 12.5% 1%
CRE 15.5%
-0.2pp YoY
+0.8pp QoQ
 -24.0pp 39.5% 37.1% 41.4% 11%
1-4 Family 68.7%
+1.6pp YoY
-0.6pp QoQ
 +36.0pp 32.6% 41.6% 31.3% 94%
Consumer 9.9%
-1.0pp YoY
0.0pp QoQ
 +5.8pp 4.1% 4.8% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 24.4%
+0.2pp YoY
+0.2pp QoQ
 +5.5pp 18.8% 20.2% 19.7% 88%
Leverage Ratio 14.6%
-0.6pp YoY
-0.2pp QoQ
 +2.4pp 12.2% 14.0% 12.6% 85%
Total Capital Ratio 25.6%
+0.2pp YoY
+0.2pp QoQ
 +5.7pp 19.9% 21.3% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 26
+1 (+4.0%) YoY
-2 (-7.1%) QoQ
 -33 58 105 482 21%
Assets per Employee ($) $4.7M
+0.1% YoY
+9.6% QoQ
 -$2.8M $7.5M $6.3M $8.8M 10%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.2pp YoY
+0.3pp QoQ
 +0.1pp 0.3% 0.3% 0.4% 81%
Nonaccrual 0.8%
-0.6pp YoY
-0.3pp QoQ
 -0.1pp 0.9% 0.8% 1.0% 67%
Allowance Coverage 1.18x
+33.7% YoY
-7.2% QoQ
 -22.97x 24.15x 7.45x 20.23x 32%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
+0.3pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 6.6%
+1.2pp YoY
+0.8pp QoQ
 -5.6pp 12.2% 13.3% 11.6% 19%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 21%
Net Income ($, YTD) $519,000
+31.1% YoY
— QoQ
 -$2.0M $2.6M $5.1M $40.4M 11%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#178 of 742 • Bottom 23.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.37%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 75.80%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

198
Tier 1 Capital Ratio
capital
Value: 24.37%
Peer Median: 15.91%
#198 of 2643 Top 7.5% in $100M-$1B
419
Non-Interest-Bearing Deposit Share
funding
Value: 30.96%
Peer Median: 22.03%
#419 of 2643 Top 15.8% in $100M-$1B

Top Weaknesses (6 metrics)

2484
Total Assets
size
Value: $121.76M
Peer Median: $386.57M
#2484 of 2643 Bottom 6.1% in $100M-$1B
2478
Total Deposits
size
Value: $103.50M
Peer Median: $326.73M
#2478 of 2643 Bottom 6.3% in $100M-$1B
2384
Total Loans
size
Value: $78.45M
Peer Median: $258.35M
#2384 of 2643 Bottom 9.8% in $100M-$1B
2093
Nonperforming Asset Ratio
credit_quality
Value: 0.97%
Peer Median: 0.67%
#2093 of 2643 Bottom 20.8% in $100M-$1B
2047
Delinquency Rate
credit_quality
Value: 1.29%
Peer Median: 0.92%
#2047 of 2633 Bottom 22.3% in $100M-$1B
2021
Efficiency Ratio
profitability
Value: 73.14%
Peer Median: 64.48%
#2021 of 2643 Bottom 23.6% in $100M-$1B
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