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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bedford, KY · FDIC certificate #11355
BEDFORD LOAN&DEPOSIT BANK is an FDIC-insured institution based in Bedford, KY (FDIC certificate #11355). In its Q3 2026 Call Report it reported total assets of $122M, total deposits of $104M and net loans of $79M. Its primary federal regulator is FDIC.
Plain-language readout
BEDFORD LOAN&DEPOSIT BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $122M in Q3 2026 and were lowest at $120M in Q1 2026.
Total deposits were highest at $104M in Q3 2026 and lowest at $102M in Q1 2026.
Over the whole period total assets rose 1.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $122M | $104M | $79M | 0.89% | 6.90% | 4.15% |
| Q2 2026 | $122M | $103M | $78M | 0.87% | 6.63% | 4.09% |
| Q1 2026 | $120M | $102M | $79M | 0.77% | 5.88% | 3.97% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.3M | $6.9M | +$2.3M | +33.7% |
| Federal funds sold | $3.4M | $3.3M | +$167K | +5.1% |
| 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) | $25.3M | $25.5M | -$111K | -0.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $78.5M | $78.8M | -$391K | -0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.6M | $1.7M | -$21K | -1.3% |
| Other real estate owned | $170K | $0K | +$170K | 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) | $0K | $0K | $0K | n/a |
| All other assets | $3.5M | $3.5M | -$28K | -0.8% |
| Total assets | $121.8M | $119.6M | +$2.1M | +1.8% |
| Liabilities | ||||
| Total deposits | $103.5M | $101.7M | +$1.8M | +1.7% |
| 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 | $2.3M | $2.3M | -$3K | -0.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $212K | $189K | +$23K | +12.2% |
| Total liabilities | $106.0M | $104.2M | +$1.8M | +1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $60K | $60K | $0K | 0.0% |
| Surplus | $690K | $690K | $0K | 0.0% |
| Retained earnings | $17.2M | $16.9M | +$233K | +1.4% |
| Accumulated other comprehensive income | -$2.1M | -$2.2M | +$94K | +4.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $15.8M | $15.5M | +$327K | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $1.0M | +$179K | +17.8% |
| Adjusted nonperforming assets | $1.2M | $1.0M | +$179K | +17.8% |
| Tangible equity plus allowance | $17.0M | $16.7M | +$246K | +1.5% |
| Texas ratio (gross) | 6.96% | 5.99% | +0.97 pts | See points |
| Texas ratio (adjusted) | 6.96% | 5.99% | +0.97 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.96% | 5.99% | +0.97 pts | See points |
| Tier 1 capital to risk-weighted assets | 24.37% | 24.14% | +0.23 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 24.37% | 24.14% | +0.23 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 25.62% | 25.40% | +0.23 pts | See points |
| Tier 1 leverage (approximate) | 14.61% | 14.76% | -0.15 pts | See points |
| Construction and land loans to total capital | 24.36% | 22.08% | +2.29 pts | See points |
| Commercial real estate to total capital | 45.59% | 42.93% | +2.66 pts | See points |
| Dividend payout, year to date | 68.79% | 131.00% | -62.22 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.72% | -16.64% | +0.91 pts | See points |
| Liquidity | ||||
| Core deposits | $96.9M | $95.4M | +$1.5M | +1.6% |
| Non-core funding | $8.9M | $8.6M | +$248K | +2.9% |
| Loans to core deposits | 82.22% | 84.03% | -1.81 pts | See points |
| Loans to deposits | 76.96% | 78.77% | -1.81 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.46% | 54.86% | -0.41 pts | See points |
| Loans pledged, share of loans | 52.66% | 52.81% | -0.15 pts | See points |
| Volatile liabilities | $8.9M | $8.6M | +$248K | +2.9% |
| Earnings | ||||
| Earnings before provision, year to date | $702K | $311K | +$391K | +125.7% |
| Earnings before provision, single quarter | $391K | $311K | +$80K | +25.7% |
| Provision for credit losses, year to date | $56K | $28K | +$28K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.42% | 6.27% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.46% | 3.01% | +0.45 pts | See points |
| Total interest income to average assets | 5.01% | 4.89% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 0.66% | 0.66% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.49% | 0.50% | -0.00 pts | See points |
| Cost of time deposits | 3.51% | 3.63% | -0.12 pts | See points |
| Total interest expense to average assets | 1.12% | 1.19% | -0.06 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 | $122M | $104M | $79M | 0.89% | 6.90% | 4.15% |
| 2026-06-30 | $122M | $103M | $78M | 0.87% | 6.63% | 4.09% |
| 2026-03-31 | $120M | $102M | $79M | 0.77% | 5.88% | 3.97% |
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 |
|---|---|---|---|---|
| KY | $97.2M | 0.08% | 125 | Continuing · -0.00 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.