Side-by-side · Q2 2026 data
Bath State Bank vs Bedford Federal Savings Bank
Metric by metric
| Measure | Bath State Bank | Bedford Federal Savings Bank |
|---|---|---|
| TellerScore | 60 (stronger) | 58 |
| Capital cushion | 38 | 50 (stronger) |
| Loan quality | 74 (stronger) | 44 |
| Earnings | 60 | 84 (stronger) |
| Funding & liquidity | 63 (stronger) | 49 |
| Problem-loan coverage | 82 (stronger) | 74 |
| Peer percentile | 19th | 16th |
| Total assets | $337.6M | $303.0M |
| Deposits / shares | $283.9M | $261.7M |
| Capital ratio | 8.82% | 9.96% (stronger) |
| Problem loans | 0.78% (stronger) | 1.69% |
| Net charge-offs | 0.02% (stronger) | 0.08% |
| Return on assets | 1.01% | 1.60% (stronger) |
| Loans ÷ deposits | 88.5% (stronger) | 92.4% |
| Uninsured deposits | 23.1% (stronger) | 31.6% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Bath State Bank has the higher TellerScore (60 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Bath State Bank leads on 5 and Bedford Federal Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.