Bedford Federal Savings Bank: how it compares with its peers
Against 41 IN banks with half to twice its assets, Bedford Federal Savings Bank's strongest measure in Q2 2026 is efficiency ratio (49.96% vs. a 66.58% peer median). Its weakest relative measure is return on assets (1.60% vs. 1.08%).
| Measure | Bedford Federal Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.08% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.16% | 3.65% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.96% | 66.58% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $6.1M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.40% | 80.52% | Context |
What it means for lending operations
Its efficiency ratio of 49.96% is better than the 66.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers and Merchants Bank Laotto, IN · $306M
- Tri-County Bank & Trust Company Roachdale, IN · $314M
- The Peoples Bank Brownstown, IN · $324M
- Bank of Wolcott Wolcott, IN · $280M
- Logansport Savings Bank Logansport, IN · $277M
- Bath State Bank Bath, IN · $338M
Questions about Bedford Federal Savings Bank
How big is Bedford Federal Savings Bank?
Bedford Federal Savings Bank, established in 1934, is headquartered in Bedford, IN. It reported $303M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bedford Federal Savings Bank's return on assets?
1.60% annualized in Q2 2026, against a 1.08% median for 41 IN banks with half to twice its assets, ahead of 83% of them.
What is Bedford Federal Savings Bank's efficiency ratio?
49.96% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 66.58%, and lower is better.
Is Bedford Federal Savings Bank growing its loans?
Net loans grew 10.5% over the year to Q2 2026, while deposits grew 9.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.