Bedford Loan&Deposit Bank
Bedford, Kentucky · FDIC Cert #11355
Bedford Loan&Deposit Bank is an FDIC-insured bank (Certificate #11355) with $114M in total assets and $95M in total deposits as of the Q2 2024 Call Report. 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). 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
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 8 points above the Kentucky state average of 72 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 68, meaning this bank ranks above its size cohort. Site-wide, Bedford Loan&Deposit Bank is 10 points above the portfolio average of 70.
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 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.