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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2026-Q1QoQ +4

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

Quarterly Headline

2026-Q1

Bank #696047 2026-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +16

The five pillars

Liquidity

StrongQoQ -3
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 77.5%, cash 5.8% of assets.

Cash / Assets
5.79%
Loans / Deposits
77.51%
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
2.19%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.14%, CET1 24.14%, leverage 15.09%.

Tier 1 RBC
24.14%
CET1
24.14%
Leverage
15.09%
No watch items at this period.

Asset Quality

StableQoQ +11
76
Sub-score

Asset quality is stable: Adjusted NPL 1.27%, Texas Ratio 5.3%, NCO YTD -0.04%.

Adjusted NPL
1.27%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
-0.04%
30-89 PD
4.32%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +16
84
Sub-score

Reserves are strong: ALLL 1.60% of loans, coverage 127.6%, true coverage 127.6%.

ALLL / Loans
1.60%
Coverage
127.6%
True Loss Coverage
127.6%
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