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Bedford Loan & Deposit Bank
Bedford, KY · FDIC Certificate #11355 · Chartered 11/0
Total assets
$121.76M
Total deposits
$103.50M
Total equity
$15.79M
Net loans
$78.45M
Branches (offices)
3
Net income (YTD)
$519.00K
Rank: #3,518 of 4,213 U.S. banks by assets · #101 of 120 in Kentucky. Assets changed 4.1% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 6.63% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 12.97% |
| Tier 1 leverage ratio | 14.61% |
| Uninsured deposits (share of deposits) | 12.0% |
| Noncurrent loans (share of loans) | 1.27% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 75.8% |
| Real estate loans (share of loans) | 90.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $71.33M | 90.9% | |
| Commercial & industrial | $182.00K | 0.2% | |
| Consumer / individual | $7.75M | 9.9% | |
| Construction & development | $4.59M | 5.8% | |
| Agricultural | $346.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $117.91M | $104.39M | $577.00K | $12.42M |
| Jun 2023 | $114.42M | $97.73M | $659.00K | $13.16M |
| Jun 2024 | $113.59M | $94.58M | $363.00K | $13.89M |
| Jun 2025 | $116.93M | $97.19M | $396.00K | $15.01M |
| Jun 2026 | $121.76M | $103.50M | $519.00K | $15.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $103.50M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $103.50M.
Similar-sized banks
Maple City Savings Bank, FSB ($121.81M) · The First State Bank ($121.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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