BlastPoint's Banking Scorecard
Bedford Loan & Deposit Bank
Bedford, KY
3 branches across KY
Bedford Loan & Deposit Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 22.2% in tier
- - ROA 0.50% below tier average
- - Efficiency Ratio 10.13% above tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.6M
+5.3% YoY
+1.2% QoQ
|
-$266.4M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.7% in tier |
| Total Loans ? |
$78.8M
+3.7% YoY
+3.5% QoQ
|
-$176.9M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.7% in tier |
| Total Deposits ? |
$101.7M
+8.0% YoY
+4.0% QoQ
|
-$226.2M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.2% in tier |
| Return on Assets ? |
0.77%
+7.3% YoY
-4.9% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.97%
+10.7% YoY
+2.6% QoQ
|
+0.04% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
75.42%
+0.3% YoY
+2.8% QoQ
|
+10.13% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
1.27%
-23.4% YoY
-32.8% QoQ
|
+0.38% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
77.51%
-4.0% YoY
-0.5% QoQ
|
+0.87% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
31.41%
-1.0% YoY
+4.1% QoQ
|
+9.39% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 14.9% in tier |
| Nonperforming Asset Ratio ? |
0.84%
-47.1% YoY
-31.3% QoQ
|
+0.20% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
24.14%
+0.7% YoY
-2.7% QoQ
|
+8.31% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Top 7.5% in tier |
| Non-Interest Income / Assets ? |
0.13%
-9.6% YoY
-76.1% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.