Bedford Loan & Deposit Bank
Bedford, KY
IDRSSD: 696047
Total Assets
$118.22M
Latest filing
Total Deposits
$97.81M
Latest filing
Net Interest Margin
3.91%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bedford Loan & Deposit Bank
45 Highway 42 E
Bedford, KY 40006
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/02/1891FDIC Certificate 7255
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bedford Loan & Deposit Bank (Main) | 45 Highway 42 E | Bedford, KY |
| OLDHAM COUNTY BRANCH | 1010 New Moody Ln | Lagrange, KY |
| PENDLETON BRANCH | 973 Pendleton Rd | Pendleton, KY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/02/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40006 |
| State and County Number | 21223 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bedfordbank.com |
| Data Updated | 01/30/2026 |
| CERT | 11355 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $118.22M |
| Total Deposits | $97.81M |
| Total Liabilities | $102.52M |
| Total Equity Capital | $15.70M |
| Net Income | $210.00k |
| Net Loans and Leases | $76.18M |
| Assets Per Employee ($Millions) | $4.38M |
| Bank Premises and Fixed Assets | $1.66M |
| Cash and Balances due from Depository Institutions | $8.59M |
| Deposits Held in Domestic Offices | $97.81M |
Key Performance Ratios
| Return on Assets (ROA) | 0.71% |
| Return on Equity (ROE) | 5.4% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 74.66% |
| Tier 1 Risk-Based Capital Ratio | 24.816% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.28% |
| Earning Assets to total Assets | 93.91% |
Income and Expense
| Total Interest Income | $1.49M |
| Total Noninterest Income | $161.00k |
| Total Interest Expense | $402.00k |
| Total Noninterest Expense | $931.00k |
| Net Interest Income | $1.09M |
| Pre-tax Net Operating Income | $289.00k |
| Provision for Credit Losses | $27.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.36M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $283.00k |
| Total Liabilities and Capital | $118.22M |
Securities
| Securities | $25.96M |
| Available-for-sale debt securities | $25.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bedford Loan & Deposit Bank?
$118.22M as of the latest filing.
How much are Bedford Loan & Deposit Bank's total deposits?
$97.81M in total deposits.
Where is Bedford Loan & Deposit Bank located?
Bedford, KY.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
3.
When was it established?
11/02/1891.
What is the Return on Assets (ROA)?
0.71%.
How much are total loans and leases?
$76.18M (latest filing).
What is the total interest income (latest filing)?
$1.49M.