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.
FDIC Call Report plate
Cert 11355 · KY B · 74/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL
- GRADE-B B (74/100)
- MID-PACK #2654/4307
- PHOTO-FINISH Richton Bank & Trust… · MS
- TIER1-WELL 24.8% Tier 1
- TEXAS-CLEAN 8.5% Texas
- ROA-PAR 0.81% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kentucky: Richton Bank & Trust Company, MS (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Bedford Loan & Deposit Bank
Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.
What Bedford Loan & Deposit Bank's Call Report plate shows
Bedford Loan & Deposit Bank (FDIC Cert #11355) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,654 of 4,307. Tier 1 capital prints at 24.82%, clearing the 10% well-capitalized line. The Texas Ratio is 8.52%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.81%. Balance-sheet scale is $118M, 3,594th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Richton Bank & Trust Company (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Bedford Loan & Deposit Bank
3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)
Bedford Loan & Deposit Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bedford Loan & Deposit Bank remains an active FDIC-insured reporter.
- LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
- FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
- IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
74 38th percentile higher than 38% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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 ratios for Bedford Loan & Deposit Bank
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: Bedford Loan & Deposit Bank
Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
6.25%
Efficiency Ratio
73.35%
Income & expense at Bedford Loan & Deposit Bank
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($118M here), outside Kentucky so the neighborhood is not state containment.
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.
Bedford Loan & Deposit Bank Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |