Bedford Loan&Deposit Bank
Bedford, Kentucky · FDIC Cert #11355
This is the FDIC profile for Bedford Loan&Deposit Bank, an FDIC-insured bank (Certificate #11355) with $114M in total assets and $95M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Bedford, Kentucky, the bank maintains a Tier 1 capital ratio of 24.42% (Well-Capitalized) and a nonperforming loan ratio of 2.41%. BankHealthData assigns a composite Health Grade of A (80/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bedford Loan&Deposit Bank (FDIC cert 11355) is a community bank — $114M in total assets, $95M in deposits, serving the Bedford, Kentucky area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 24.42% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.41% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 28.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.77% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bedford Loan&Deposit Bank carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bedford Loan&Deposit Bank
- Total Assets
- $114M
- Total Deposits
- $95M
- Tier 1 Capital Ratio
- 24.42%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.41%
- Liquidity Ratio
- 28.88%
- Return on Assets
- 0.77%
- Headquarters
- Bedford, Kentucky
- FDIC Certificate
- #11355
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bedford Loan&Deposit Bank files quarterly Call Reports with the FDIC under Certificate #11355. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bedford Loan&Deposit Bank holds a Tier 1 capital ratio of 24.42%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bedford Loan&Deposit Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bedford Loan&Deposit Bank shows strong financial health indicators. With $114M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bedford Loan&Deposit Bank Compares
Bedford Loan&Deposit Bank’s Health Score of 80 is 1 points below the Kentucky state average of 81 across 103 FDIC-insured banks. Its 24.42% Tier 1 capital ratio is 10.4 points above the US banking industry average near 14%. The 2.41% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.77% is below the national ROA benchmark of ~1.1%. Among 1180 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Bedford Loan&Deposit Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 24.42%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bedford Loan&Deposit Bank's Tier 1 capital ratio of 24.42% and nonperforming loan ratio of 2.41% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bedford Loan&Deposit Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11355). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bedford Loan&Deposit Bank holds $114M in total assets and $95M in total deposits. It is headquartered in Bedford, Kentucky (FDIC Certificate #11355).
Bedford Loan&Deposit Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #11355 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bedford Loan&Deposit Bank has a Tier 1 capital ratio of 24.42%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.41%, and the return on assets is 0.77%.
Yes. Bedford Loan&Deposit Bank is FDIC-insured (Certificate #11355). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bedford Loan&Deposit Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.