Side-by-side · Q2 2026 data
German American Bank vs Bedford Federal Savings Bank
Metric by metric
| Measure | German American Bank | Bedford Federal Savings Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 58 |
| Capital cushion | 62 (stronger) | 50 |
| Loan quality | 85 (stronger) | 44 |
| Earnings | 91 (stronger) | 84 |
| Funding & liquidity | 46 | 49 (stronger) |
| Problem-loan coverage | 96 (stronger) | 74 |
| Peer percentile | 77th | 16th |
| Total assets | $8.4B | $303.0M |
| Deposits / shares | $7.1B | $261.7M |
| Capital ratio | 11.19% (stronger) | 9.96% |
| Problem loans | 0.45% (stronger) | 1.69% |
| Net charge-offs | 0.06% (stronger) | 0.08% |
| Return on assets | 1.76% (stronger) | 1.60% |
| Loans ÷ deposits | 83.0% (stronger) | 92.4% |
| Uninsured deposits | 42.8% | 31.6% (stronger) |
| Offices | 89 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
German American Bank has the higher TellerScore (75 vs 58). On the 7 directional measures above (where higher or lower is clearly better), German American Bank leads on 6 and Bedford Federal Savings Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.