🏦Bank Scorer

BEDFORD LOAN & DEPOSIT BANK

BEDFORD, KY · Supervised by FDIC

Est. 1891FDIC #11,355RSSD: FDIC-11355
Part ofMEADE BCORP INC→ View all charters
Outstanding Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.77%

Institution Profile

FDIC BankFind

Address

45 Highway 42 E, BEDFORD, KY

County

Trimble County

Established

November 2, 1891

Total Assets

$120M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$120M

Total Deposits

$102M

Net Loans

$79M

Net Income

$229K

ROA

0.77%

ROE

5.88%

Risk-Based Capital

25.40%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.78%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$97M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245976.27%6.78%
202310482.69%8.65%
202216375.46%10.43%
202113481.34%6.72%
202012375.61%3.25%
201910566.67%18.10%
201812180.99%8.26%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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