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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bedford, IN · FDIC certificate #29024
BEDFORD FEDERAL SAVINGS BANK is an FDIC-insured institution based in Bedford, IN (FDIC certificate #29024). In its Q3 2026 Call Report it reported total assets of $306M, total deposits of $264M and net loans of $242M. Its primary federal regulator is FDIC.
Plain-language readout
BEDFORD FEDERAL SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $306M in Q3 2026 and were lowest at $286M in Q1 2026.
Total deposits were highest at $264M in Q3 2026 and lowest at $246M in Q1 2026.
Over the whole period total assets rose 7.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $306M | $264M | $242M | 1.54% | 15.49% | 4.17% |
| Q2 2026 | $303M | $262M | $242M | 1.60% | 16.23% | 4.16% |
| Q1 2026 | $286M | $246M | $237M | 1.51% | 15.32% | 4.01% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $36.6M | $24.8M | +$11.8M | +47.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $5.6M | $5.9M | -$304K | -5.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $2.4M | $1.3M | +$1.2M | +92.2% |
| Net loans and leases (after allowance) | $239.4M | $235.4M | +$3.9M | +1.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.4M | $4.5M | -$51K | -1.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.6M | $1.5M | +$148K | +9.9% |
| All other assets | $12.9M | $12.1M | +$777K | +6.4% |
| Total assets | $303.0M | $285.5M | +$17.5M | +6.1% |
| Liabilities | ||||
| Total deposits | $261.7M | $245.5M | +$16.2M | +6.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.0M | $10.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.3M | +$30K | +2.3% |
| Total liabilities | $273.1M | $256.8M | +$16.2M | +6.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $30.5M | $29.2M | +$1.3M | +4.3% |
| Accumulated other comprehensive income | -$509K | -$489K | -$20K | -4.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $30.0M | $28.7M | +$1.2M | +4.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.1M | $4.4M | -$307K | -6.9% |
| Adjusted nonperforming assets | $4.1M | $4.4M | -$307K | -6.9% |
| Tangible equity plus allowance | $30.6M | $29.4M | +$1.2M | +4.1% |
| Texas ratio (gross) | 13.44% | 15.04% | -1.59 pts | See points |
| Texas ratio (adjusted) | 13.44% | 15.04% | -1.59 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 13.44% | 15.04% | -1.59 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.96% | 10.25% | -0.29 pts | See points |
| Construction and land loans to total capital | 136.64% | 132.30% | +4.34 pts | See points |
| Commercial real estate to total capital | 149.03% | 146.41% | +2.61 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.23% | -2.23% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $209.3M | $199.0M | +$10.3M | +5.2% |
| Non-core funding | $62.4M | $56.5M | +$5.9M | +10.4% |
| Loans to core deposits | 115.47% | 119.43% | -3.96 pts | See points |
| Loans to deposits | 92.35% | 96.79% | -4.44 pts | See points |
| Brokered deposits share of deposits | 5.73% | 4.11% | +1.62 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 41.94% | 37.10% | +4.84 pts | See points |
| Volatile liabilities | $62.4M | $56.5M | +$5.9M | +10.4% |
| Earnings | ||||
| Earnings before provision, year to date | $3.4M | $1.5M | +$1.9M | +125.7% |
| Earnings before provision, single quarter | $1.9M | $1.5M | +$383K | +25.7% |
| Provision for credit losses, year to date | $285K | $68K | +$217K | +319.1% |
| Yield and cost | ||||
| Yield on loans and leases | 7.09% | 6.65% | +0.44 pts | See points |
| Yield on interest-bearing balances due from banks | 3.30% | 2.95% | +0.35 pts | See points |
| Total interest income to average assets | 6.04% | 5.93% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.26% | 0.21% | +0.05 pts | See points |
| Cost of savings and money market deposits | 2.30% | 2.18% | +0.12 pts | See points |
| Cost of time deposits | 3.92% | 4.41% | -0.48 pts | See points |
| Total interest expense to average assets | 2.14% | 2.18% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $306M | $264M | $242M | 1.54% | 15.49% | 4.17% |
| 2026-06-30 | $303M | $262M | $242M | 1.60% | 16.23% | 4.16% |
| 2026-03-31 | $286M | $246M | $237M | 1.51% | 15.32% | 4.01% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $238.5M | 0.11% | 85 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.