BlastPoint's Banking Scorecard

Bedford Federal Savings Bank

$100M-$1B Specialty: Commercial IN FDIC cert 29024

Designations: ✓ Mutual

Bedford, IN

2 branches across IN

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 60 in IN.
Deposits +9.7% year over year ($261.7M on the books).
Delinquency rate 1.70%.
Return on assets 1.60%.
Efficiency ratio 49.96% vs a 64.48% peer average.
Loan-to-deposit ratio 92.40% 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 60 in IN

View $100M-$1B leaderboard (IN) →

Bedford Federal Savings Bank has 3 strengths but faces 3 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

+ ROA 0.28% above tier average
+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 14.52% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 24.1% in tier
- Liquidity Strain: Bottom 48.2% in tier
- Delinquency Rate 0.78% above tier average

Get updates when Bedford Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$303.0M +9.9% YoY +6.1% QoQ	-$83.6M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	46%
Total Loans ?	$241.8M +10.5% YoY +2.2% QoQ	-$16.5M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	57%
Total Deposits ?	$261.7M +9.7% YoY +6.6% QoQ	-$65.0M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	47%
Return on Assets ?	1.60% +40.5% YoY +6.0% QoQ	+0.28%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	4.16% +9.2% YoY +3.6% QoQ	+0.17%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	49.96% -16.6% YoY -5.4% QoQ	-14.52%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	1.70% -15.9% YoY -8.9% QoQ	+0.78%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	92.40% +0.7% YoY -4.2% QoQ	+14.45%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	16.24% -21.0% YoY -4.0% QoQ	-5.79%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	1.36% -15.4% YoY -12.3% QoQ	+0.69%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	Bottom 14.0% in tier
Tier 1 Capital Ratio ?	9.96% +5.8% YoY -2.8% QoQ	-5.94%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	Bottom 10.1% in tier
Non-Interest Income / Assets ?	0.36% +34.4% YoY +107.6% QoQ	-0.21%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	81%

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 (IN)	National Avg	Tier Percentile
Noninterest-Bearing	16.2% -4.3pp YoY -0.7pp QoQ	-5.9pp	22.1%	16.8%	22.2%	28%
Brokered Deposits	5.7% +1.5pp YoY +1.6pp QoQ	-2.1pp	7.9%	7.2%	8.5%	57%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	3.1% -0.1pp YoY +0.2pp QoQ	-8.5pp	11.6%	11.1%	12.5%	10%
CRE	36.0%	-3.6pp	39.5%	36.2%	41.4%	45%
1-4 Family	58.7% +1.5pp YoY -0.9pp QoQ	+26.1pp	32.6%	40.0%	31.3%	89%
Consumer	2.7% -1.4pp YoY -0.1pp QoQ	-1.4pp	4.1%	3.2%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.5%	19.7%	n/a
Leverage Ratio	10.0% +0.6pp YoY -0.3pp QoQ	-2.2pp	12.2%	13.0%	12.6%	30%
Total Capital Ratio	n/a	n/a	19.9%	18.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	32 +2 (+6.7%) YoY +2 (+6.7%) QoQ	-27	58	237	482	30%
Assets per Employee ($)	$9.5M +3.0% YoY -0.5% QoQ	+$2.0M	$7.5M	$7.5M	$8.8M	83%
Branch Count	2 0 YoY 0 QoQ	-3	4	17	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.7% -0.3pp YoY -0.2pp QoQ	+0.8pp	0.9%	0.8%	1.0%	84%
Allowance Coverage	0.56x +23.2% YoY +13.4% QoQ	-23.59x	24.15x	6.71x	20.23x	12%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	73%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	16.2% +4.2pp YoY +0.9pp QoQ	+4.0pp	12.2%	11.2%	11.6%	74%
Cost of Funds (YTD)	2.3% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	86%
Net Income ($, YTD)	$2.3M +54.4% YoY — QoQ	-$221K	$2.6M	$16.3M	$40.4M	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

NIB Deposit Bleed

decline

#40 of 162 • Bottom 24.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.24%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Liquidity Strain

risk

#334 of 691 • Bottom 48.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.40%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

445

Efficiency Ratio

profitability

Value: 49.96%

Peer Median: 64.48%

#445 of 2643 Top 16.8% in $100M-$1B

512

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.57%

#512 of 2643 Top 19.3% in $100M-$1B

Top Weaknesses (4 metrics)

2377

Tier 1 Capital Ratio

capital

Value: 9.96%

Peer Median: 15.91%

#2377 of 2643 Bottom 10.1% in $100M-$1B

2275

Nonperforming Asset Ratio

credit_quality

Value: 1.36%

Peer Median: 0.67%

#2275 of 2643 Bottom 14.0% in $100M-$1B

2209

Delinquency Rate

credit_quality

Value: 1.70%

Peer Median: 0.92%

#2209 of 2633 Bottom 16.1% in $100M-$1B

2077

Loan-to-Deposit Ratio

liquidity

Value: 92.40%

Peer Median: 77.95%

#2077 of 2643 Bottom 21.5% in $100M-$1B