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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q4QoQ -7

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

Quarterly Headline

2024-Q4

Bank #696047 2024-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.66% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.42%.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.86% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -18

The five pillars

Liquidity

StableQoQ -3
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 83.0%, cash 2.9% of assets.

Cash / Assets
2.86%
Loans / Deposits
83.01%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.86% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.21%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.97%, CET1 23.97%, leverage 15.15%.

Tier 1 RBC
23.97%
CET1
23.97%
Leverage
15.15%
No watch items at this period.

Asset Quality

WatchQoQ -16
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.66%, Texas Ratio 11.1%, NCO YTD -0.10%.

Adjusted NPL
2.66%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
-0.10%
30-89 PD
3.60%
Band 0.3% / 3.0%
90+ PD
1.42%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.66% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.42%.

Reserves

WatchQoQ -18
47
Sub-score

Reserves are deteriorating: ALLL 1.49% of loans, coverage 56.8%, true coverage 56.8%.

ALLL / Loans
1.49%
Coverage
56.8%
True Loss Coverage
56.8%
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