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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 $6.7MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $219.2M16%Noninterest $42.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.09%0.94%1.14%1.03%1.12%1.51%1.60%+46 bps
Return on Equity10.68%11.12%9.95%12.06%10.93%11.82%15.32%16.23%+417 bps
Net Interest Margin3.40%3.19%3.44%3.32%3.48%3.41%3.75%3.70%+37 bps
Efficiency Ratio62.43%60.36%65.96%59.87%60.76%60.51%52.81%49.96%-991 bps
Non-Interest Burden1.91%1.70%2.11%1.78%1.93%1.86%1.66%1.49%-29 bps
Growth
Asset Growth (YoY)13.15%14.63%21.08%17.27%17.12%11.36%8.47%9.90%-737 bps
Loan Growth (YoY)15.80%21.93%22.01%24.27%17.41%12.84%13.35%10.52%-1,375 bps
Deposit Growth (YoY)13.28%15.11%22.50%18.01%18.70%11.52%8.10%9.71%-830 bps
Asset Quality
Nonperforming Loans / Loans1.51%1.49%1.75%2.01%1.71%2.00%1.85%1.69%-32 bps
Net Charge-Offs / Loans0.02%0.10%0.01%0.02%0.14%0.10%0.01%0.08%+6 bps
Allowance / Loans0.90%0.89%0.91%0.92%0.93%0.92%0.92%0.95%+3 bps
Allowance Coverage of NPLs0.6x0.6x0.5x0.5x0.5x0.5x0.5x0.6x+0.1x
Capital
Tier 1 Leverage Ratio10.17%9.52%9.85%9.41%9.73%9.66%10.26%9.96%+55 bps
Total Risk-Based Capital10.17%9.52%9.85%9.41%9.73%9.66%10.26%9.96%+55 bps
Equity / Assets9.89%9.46%9.50%9.42%9.49%9.68%10.06%9.88%+46 bps
Liquidity & Funding
Loans / Deposits94.04%92.61%92.81%92.60%93.01%93.71%97.31%93.29%+69 bps
Liquid Assets / Assets9.96%11.03%11.05%11.39%11.21%10.88%8.30%11.65%+26 bps
CRE / Total Capitaln/an/an/an/a296%281%279%n/an/a