Bedford Loan & Deposit Bank

45 Highway 42 East
Bedford, KY 40006

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11355
Date Established 1891
Assets $0.09 billion
Loans $0.05 billion
Deposits $0.08 billion
Capital $0.01 billion

Bedford Loan & Deposit Bank is an FDIC insured institution located in Bedford, KY. It was founded in 1891 and has approximately $0.09 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Bedford Loan & Deposit Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bedford Loan & Deposit Bank’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks, Bedford Loan & Deposit Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 56.06
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 4.41
Small Business Loans 0.00
Construction and Development Loans 8.77
Commercial Real Estate 4.66
Commercial and Industrial Loans 2.21
Farm Loans 1.89

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.20% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.40% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $1,000 $9,999 Learn MoreShow Less
MM 10K
0.13% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bedford Loan & Deposit Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
4.125% 4.125% 0.00 $0 $1,212 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,800 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Bedford Loan & Deposit Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bedford Loan & Deposit Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bedford Loan & Deposit Bank Locations

Financial Details

Bedford Loan & Deposit Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bedford Loan & Deposit Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bedford Loan & Deposit Bank U.S. Bank Average
12.46% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Bedford Loan & Deposit Bank had $1,677,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,567,000 in equity and $897,000 in loans loss reserves. That gives it a Texas Ratio of 12.46%.

Return on Equity
Bedford Loan & Deposit Bank U.S. Bank Average
4.77% 8.84%

Bedford Loan & Deposit Bank has a Return on Equity of 4.77% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bedford Loan & Deposit Bank U.S. Bank Average
13.47% 12.21%

Bedford Loan & Deposit Bank has a Capitalization of 13.47% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bedford Loan & Deposit Bank Balance Sheet Analysis

As of September 30, 2017, Bedford Loan & Deposit Bank had assets of $93,311,000, loans of $49,139,000, and deposits of $75,535,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Bedford Loan & Deposit Bank

Branches and Savings

Is Bedford Loan & Deposit Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11355.

Why does Bedford Loan & Deposit Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bedford Loan & Deposit Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bedford Loan & Deposit Bank a commercial bank?

Yes

Where are Bedford Loan & Deposit Bank locations?

See branch locations nearby.

Is Bedford Loan & Deposit Bank open on Saturdays?

Is Bedford Loan & Deposit Bank open on Sundays?

What time does Bedford Loan & Deposit Bank open?

What time does Bedford Loan & Deposit Bank close?

Are Bedford Loan & Deposit Bank ATMs Open 24/7?

Do Bedford Loan & Deposit Bank ATMs accept cash deposits?

Can Bedford Loan & Deposit Bank customers use other ATMs?

Do Bedford Loan & Deposit Bank branches have notaries?

Will Bedford Loan & Deposit Bank notarize my document?

What address for Bedford Loan & Deposit Bank should I put for incoming ACH transfers?

Will the Bedford Loan & Deposit Bank branch print checks?

Do Bedford Loan & Deposit Bank checks expire?

Does Bedford Loan & Deposit Bank require US citizenship to open account?

Can Bedford Loan & Deposit Bank close my account?

Does Bedford Loan & Deposit Bank Report to credit bureaus?

Does Bedford Loan & Deposit Bank Use Equifax?

What is Bedford Loan & Deposit Bank's ACH Routing Number?

What is Bedford Loan & Deposit Bank's SWIFT code?

Products

Does Bedford Loan & Deposit Bank offer mortgages?

Compare mortgage rates here.

Does Bedford Loan & Deposit Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bedford Loan & Deposit Bank offer personal loans?

Compare personal loan rates here.

Does Bedford Loan & Deposit Bank offer student loans?

Will Bedford Loan & Deposit Bank cash a check?

Will Bedford Loan & Deposit Bank redeem a savings bond?

Does Bedford Loan & Deposit Bank cash savings bonds?

Will Bedford Loan & Deposit Bank cash money orders?

Can Bedford Loan & Deposit Bank issue a money order?

Does Bedford Loan & Deposit Bank do currency exchange?

Background on The Bank

Who owns Bedford Loan & Deposit Bank?

How long has Bedford Loan & Deposit Bank been around?

Can Bedford Loan & Deposit Bank transfer to other banks?

Does Bedford Loan & Deposit Bank have quick pay?

Does Bedford Loan & Deposit Bank accept rolled coins?

Will Bedford Loan & Deposit Bank accept loose change?

Where is Bedford Loan & Deposit Bank headquarters?

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