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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q1QoQ +8

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

Quarterly Headline

2025-Q1

Bank #696047 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.35% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +25

The five pillars

Liquidity

StableQoQ 0
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 80.8%, cash 2.3% of assets.

Cash / Assets
2.35%
Loans / Deposits
80.78%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.35% 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
2.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.97%, CET1 23.97%, leverage 15.53%.

Tier 1 RBC
23.97%
CET1
23.97%
Leverage
15.53%
No watch items at this period.

Asset Quality

StableQoQ +18
72
Sub-score

Asset quality is stable: Adjusted NPL 1.66%, Texas Ratio 6.8%, NCO YTD 0.11%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
0.11%
30-89 PD
3.26%
Band 0.3% / 3.0%
90+ PD
0.29%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +25
72
Sub-score

Reserves are stable: ALLL 1.50% of loans, coverage 91.9%, true coverage 91.9%.

ALLL / Loans
1.50%
Coverage
91.9%
True Loss Coverage
91.9%
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