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Bedford Loan And Deposit Bank

IDRSSD: 696047
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #696047 2024-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.45% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -1
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 77.0%, cash 4.6% of assets.

Cash / Assets
4.61%
Loans / Deposits
76.98%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.17%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.42%, CET1 24.42%, leverage 14.62%.

Tier 1 RBC
24.42%
CET1
24.42%
Leverage
14.62%
No watch items at this period.

Asset Quality

StableQoQ +1
61
Sub-score

Asset quality is stable: Adjusted NPL 2.45%, Texas Ratio 9.9%, NCO YTD 0.02%.

Adjusted NPL
2.45%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
0.02%
30-89 PD
2.76%
Band 0.3% / 3.0%
90+ PD
0.92%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.45% (govt-guarantees stripped).

Reserves

WatchQoQ -2
55
Sub-score

Reserves are deteriorating: ALLL 1.62% of loans, coverage 67.4%, true coverage 67.4%.

ALLL / Loans
1.62%
Coverage
67.4%
True Loss Coverage
67.4%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:22:05 UTC