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Bedford Federal Savings Bank

Bedford, IN · Cert 29024

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bedford Federal Savings Bank

Bedford, IN · Cert 29024

SI · FDIC · 2 branches

Q2 2026

$303.0MAssets
$244.1MLoans
$261.7MDeposits
$30.0MEquity
Loan mix
94%RE $225.3M3%C&I $6.9M3%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $219.2M16%Noninterest $42.5MQ2 2025Q2 2026

NIM

5.14%Q2 ’245.52%Q2 ’255.78%Q2 ’26+1%+11%

Non-interest income vs. expense

2.42%Q2 ’242.30%Q2 ’252.20%Q2 ’26+4%-16%

Executive Summary

  • Earnings: ROA of 1.60%, up 46 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 1.69% of loans (-32 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.96%, up 55 bps from a year ago.
  • Funding: loans stand at 93.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.60%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+37 bps YoY

Efficiency Ratio (YTD, annualized)

49.96%-991 bps YoY

Tier 1 Leverage Ratio

9.96%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.03%1.12%1.51%1.60%+46 bps
Return on Equity12.06%10.93%11.82%15.32%16.23%+417 bps
Net Interest Margin3.32%3.48%3.41%3.75%3.70%+37 bps
Efficiency Ratio59.87%60.76%60.51%52.81%49.96%-991 bps
Non-Interest Burden1.78%1.93%1.86%1.66%1.49%-29 bps
Growth
Asset Growth (YoY)17.27%17.12%11.36%8.47%9.90%-737 bps
Loan Growth (YoY)24.27%17.41%12.84%13.35%10.52%-1,375 bps
Deposit Growth (YoY)18.01%18.70%11.52%8.10%9.71%-830 bps
Asset Quality
Nonperforming Loans / Loans2.01%1.71%2.00%1.85%1.69%-32 bps
Net Charge-Offs / Loans0.02%0.14%0.10%0.01%0.08%+6 bps
Allowance / Loans0.92%0.93%0.92%0.92%0.95%+3 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.6x+0.1x
Capital
Tier 1 Leverage Ratio9.41%9.73%9.66%10.26%9.96%+55 bps
Total Risk-Based Capital9.41%9.73%9.66%10.26%9.96%+55 bps
Equity / Assets9.42%9.49%9.68%10.06%9.88%+46 bps
Liquidity & Funding
Loans / Deposits92.60%93.01%93.71%97.31%93.29%+69 bps
Liquid Assets / Assets11.39%11.21%10.88%8.30%11.65%+26 bps
CRE / Total Capitaln/a296%281%279%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bedford Federal Savings Bank

Bedford, IN · Cert 29024 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 2 branches

Q2 2026

$303.0MAssets
$244.1MLoans
$261.7MDeposits
$30.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 88% of banks under $1B in assets (rank 74 of 629).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets (rank 568 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.54%

Rank 136 of 629

Net Interest Margin

3.70%

Rank 268 of 629

Efficiency Ratio

49.96%

Rank 74 of 629

Equity / Assets

9.88%

Rank 385 of 629

Non-interest income vs. expense

$2.2M$6.7MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 88% of banks under $1B in assets
Bank 49.96%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%0.60%1.01%1.45%Beats 78%136 / 629
Return on Equity15.59%5.38%9.30%13.28%Beats 86%90 / 629
Net Interest Margin3.70%3.03%3.54%4.05%Beats 57%268 / 629
Efficiency Ratio49.96%58.35%67.79%79.08%Beats 88%74 / 629
Asset Quality
Nonperforming Loans / Loans1.69%0.09%0.46%1.20%Beats 16%490 / 581
Net Charge-Offs / Loans0.08%n/a0.01%0.06%Beats 22%456 / 581
Capital
Tier 1 Capital Ratio9.96%11.24%13.84%18.77%Beats 10%564 / 629
Total Risk-Based Capital Ratio9.96%11.58%14.43%19.66%Beats 10%568 / 629
Equity / Assets9.88%9.09%10.65%13.80%Beats 39%385 / 629
Liquidity & Funding
Loans / Deposits93.29%67.24%80.90%93.48%75th pctl150 / 594
Loans / Assets80.57%53.31%67.71%78.15%82nd pctl113 / 629
Brokered Deposits / Depositsn/aNot reported for this institution