BlastPoint's Banking Scorecard
Bedford Federal Savings Bank
Designations: ✓ Mutual
Bedford, IN
2 branches across IN
Bedford Federal Savings Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 12.47% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.98% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$285.5M
+8.5% YoY
-0.0% QoQ
|
-$100.5M |
$386.1M
+0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$236.7M
+13.3% YoY
+3.4% QoQ
|
-$19.0M |
$255.7M
+1.1% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$245.5M
+8.1% YoY
-0.5% QoQ
|
-$82.5M |
$328.0M
+0.1% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.51%
+60.2% YoY
+34.5% QoQ
|
+0.24% |
1.27%
+12.9% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
4.01%
+8.2% YoY
+2.3% QoQ
|
+0.08% |
3.93%
+6.0% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
52.81%
-19.9% YoY
-12.7% QoQ
|
-12.47% |
65.29%
-4.5% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
1.87%
+5.8% YoY
-7.5% QoQ
|
+0.98% |
0.89%
+18.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.9% in tier |
| Loan-to-Deposit Ratio ? |
96.41%
+4.8% YoY
+3.8% QoQ
|
+19.77% |
76.64%
+0.8% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.92%
-2.3% YoY
-15.9% QoQ
|
-5.10% |
22.02%
-1.0% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
1.55%
+10.5% YoY
-4.4% QoQ
|
+0.91% |
0.64%
+19.7% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.9% in tier |
| Tier 1 Capital Ratio ? |
10.25%
+4.1% YoY
+6.2% QoQ
|
-5.58% |
15.83%
+1.5% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.1% in tier |
| Non-Interest Income / Assets ? |
0.17%
+53.2% YoY
-67.8% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
80% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.