Total Assets
$118M
Total balance-sheet footings
FDIC Cert #11355 · Bedford, Kentucky · Est. 1891
Bedford Loan & Deposit Bank - FDIC Bank Health Profile
A community-scale look at Bedford Loan & Deposit Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $118M
- Total assets
- B
- Health grade · Good
- 0.81%
- Return on assets
- 24.8%
- Tier 1 capital
Data updated July 2026
The verdict
Bedford Loan & Deposit Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 24.82% Tier 1, 0.81% ROA, 73% efficiency ratio.
- #3,594
- largest of 4,313 FDIC banks by assets
- 17th
- percentile by asset size, nationally
- 24.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 30th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Bedford Loan & Deposit Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bedford Loan & Deposit Bank's composite health score
Tier 1 Capital Ratio (24.82%) 40/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (8.52%) 16/20
Efficiency Ratio (73.35%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$98M
Customer-funded liabilities
Net Loans
$76M
Outstanding loan book
Net Income
$938K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bedford Loan & Deposit Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bedford Loan & Deposit Bank's score of 74/100 falls in the highlighted band.
Bedford Loan & Deposit Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bedford Loan & Deposit Bank's $118M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
24.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
24.82%
Texas Ratio
8.52%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
6.25%
Efficiency Ratio
73.35%
What the numbers say about Bedford Loan & Deposit Bank
Bedford Loan & Deposit Bank is an FDIC-insured institution (Certificate #11355) headquartered in Bedford, Kentucky, established in 1891. It holds $118M in total assets - 3,594th of 4,313 FDIC-insured banks, $98M in customer deposits, and $76M in net loans. On safety, its Tier 1 capital ratio of 24.82% is above the 10% well-capitalized threshold, and its Texas Ratio of 8.52% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (74/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Bedford Loan & Deposit Bank ranks 103rd of 120 banks based in Kentucky -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$654K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bedford Loan & Deposit Bank reports a Texas Ratio of 8.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bedford Loan & Deposit Bank (FDIC Cert #11355) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is Bedford Loan & Deposit Bank's health grade?▼
Bedford Loan & Deposit Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bedford Loan & Deposit Bank?▼
Bedford Loan & Deposit Bank holds $118M in total assets and $98M in deposits, ranking 3,594th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bedford, Kentucky.
Is my money safe at Bedford Loan & Deposit Bank?▼
Yes, deposits at Bedford Loan & Deposit Bank (Certificate #11355) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bedford Loan & Deposit Bank's Tier 1 Capital Ratio?▼
Bedford Loan & Deposit Bank has a Tier 1 Capital Ratio of 24.82%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bedford Loan & Deposit Bank?▼
Bedford Loan & Deposit Bank has a Texas Ratio of 8.52%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bedford Loan & Deposit Bank?▼
Bedford Loan & Deposit Bank has an Efficiency Ratio of 73.35%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bedford Loan & Deposit Bank's profile as a depositor or analyst.
- Bedford Loan & Deposit Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bedford Loan & Deposit Bank against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.