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
Unfavorable gap of $4.6M · efficiency ratio beats 88% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 0.60% | 1.01% | 1.45% | Beats 78% | 136 / 629 | | |
| Return on Equity | 15.59% | 5.38% | 9.30% | 13.28% | Beats 86% | 90 / 629 | | |
| Net Interest Margin | 3.70% | 3.03% | 3.54% | 4.05% | Beats 57% | 268 / 629 | | |
| Efficiency Ratio | 49.96% | 58.35% | 67.79% | 79.08% | Beats 88% | 74 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.69% | 0.09% | 0.46% | 1.20% | Beats 16% | 490 / 581 | | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 22% | 456 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.96% | 11.24% | 13.84% | 18.77% | Beats 10% | 564 / 629 | | |
| Total Risk-Based Capital Ratio | 9.96% | 11.58% | 14.43% | 19.66% | Beats 10% | 568 / 629 | | |
| Equity / Assets | 9.88% | 9.09% | 10.65% | 13.80% | Beats 39% | 385 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.29% | 67.24% | 80.90% | 93.48% | 75th pctl | 150 / 594 | | |
| Loans / Assets | 80.57% | 53.31% | 67.71% | 78.15% | 82nd pctl | 113 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |