BlastPoint's Banking Scorecard
Bedford Loan & Deposit Bank
Micro
Specialty: Consumer
KY
FDIC cert 11355
Designations: ✓ Community bank
Bedford, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Bedford Loan & Deposit Bank shows strong momentum with 1 strength and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.96% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.2M
+5.9% YoY
-0.3% QoQ
|
-$99.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$76.2M
-0.5% YoY
-1.9% QoQ
|
-$63.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$97.8M
+6.0% YoY
-0.6% QoQ
|
-$85.9M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.81%
+16.0% YoY
-3.9% QoQ
|
-0.27% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.87%
+9.0% YoY
+0.6% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
73.35%
-3.2% YoY
+0.6% QoQ
|
+5.62% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
1.89%
-28.8% YoY
+41.5% QoQ
|
+1.25% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
77.89%
-6.2% YoY
-1.2% QoQ
|
+3.36% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
30.18%
-1.8% YoY
-2.3% QoQ
|
+7.79% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
1.22%
-33.1% YoY
+39.3% QoQ
|
+0.77% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
24.82%
+3.5% YoY
+2.8% QoQ
|
+15.96% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.55%
-8.0% YoY
+33.1% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.82%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 24.82% · Tier avg: 8.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.18% · Tier avg: 22.39%
74
74th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.89% · Tier avg: 74.53%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
32
32th pctile
Efficiency Ratio
Current: 73.35% · Tier avg: 67.73%
32
32th pctile
Total Loans
Current: $76.2M · Tier avg: $139.2M
28
28th pctile
Total Assets
Current: $118.2M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $97.8M · Tier avg: $183.7M
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
14
14th pctile
Delinquency Rate
Current: 1.89% · Tier avg: 0.64%
Top Weaknesses
14
14th pctile
Delinquency Rate
Current: 1.89% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
28
28th pctile
Total Deposits
Current: $97.8M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $118.2M · Tier avg: $217.5M
32
32th pctile
Total Loans
Current: $76.2M · Tier avg: $139.2M
32
32th pctile
Efficiency Ratio
Current: 73.35% · Tier avg: 67.73%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.89% · Tier avg: 74.53%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.18% · Tier avg: 22.39%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.82% · Tier avg: 8.85%