Side-by-side · Q2 2026 data
Fredonia Valley Bank vs Bedford Loan & Deposit Bank
Metric by metric
| Measure | Fredonia Valley Bank | Bedford Loan & Deposit Bank |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 65 | 96 (stronger) |
| Loan quality | 60 (stronger) | 58 |
| Earnings | 57 (stronger) | 55 |
| Funding & liquidity | 89 (stronger) | 84 |
| Problem-loan coverage | 86 | 86 |
| Peer percentile | 37th | 64th |
| Total assets | $119.8M | $121.8M |
| Deposits / shares | $105.5M | $103.5M |
| Capital ratio | 11.49% | 14.61% (stronger) |
| Problem loans | 1.19% (stronger) | 1.27% |
| Net charge-offs | 0.02% (stronger) | 0.26% |
| Return on assets | 0.93% (stronger) | 0.87% |
| Loans ÷ deposits | 68.3% (stronger) | 75.8% |
| Uninsured deposits | 17.8% | 12.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bedford Loan & Deposit Bank has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Fredonia Valley Bank leads on 4 and Bedford Loan & Deposit Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.