Sacramento, KY · Cert 8762 · Sacramento Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
35
Profitability
83
Liquidity
70
Efficiency
88
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sacramento, KY · Cert 8762 · Sacramento Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Owensboro, KY · 2026 SOD (annual) · 2.7% share · #9 of 14 inst. · $0.1B of $3.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.20% | 1.36% | 1.42% | 1.50% | 1.44% | 1.62% | 1.76% | +34 bps | |
| Return on Equity | 19.09% | 18.63% | 20.97% | 20.98% | 21.02% | 20.12% | 21.63% | 23.40% | +242 bps | |
| Net Interest Margin | 3.51% | 3.49% | 3.62% | 3.60% | 3.73% | 3.77% | 3.92% | 3.94% | +35 bps | |
| Efficiency Ratio | 59.73% | 59.46% | 57.80% | 56.39% | 55.05% | 55.62% | 52.84% | 50.25% | -614 bps | |
| Non-Interest Burden | 1.93% | 1.91% | 1.93% | 1.86% | 1.88% | 1.93% | 1.89% | 1.79% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.23% | 2.19% | 4.51% | 8.04% | 4.39% | 5.67% | 3.14% | 2.07% | -597 bps | |
| Loan Growth (YoY) | 2.27% | 3.19% | 3.87% | 2.93% | 6.55% | 7.20% | 7.75% | 11.68% | +874 bps | |
| Deposit Growth (YoY) | 3.71% | 3.35% | 3.57% | 7.80% | 3.57% | 4.22% | 2.03% | 1.54% | -626 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.45% | 0.36% | 0.55% | 0.52% | 0.57% | 0.93% | 0.76% | +21 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.12% | 0.00% | 0.01% | 0.02% | 0.02% | 0.07% | 0.07% | +5 bps | |
| Allowance / Loans | 0.90% | 0.98% | 0.96% | 0.97% | 0.92% | 1.00% | 0.96% | 0.93% | -4 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.2x | 2.7x | 1.8x | 1.8x | 1.7x | 1.0x | 1.2x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.35% | 9.68% | 9.56% | 9.73% | 10.23% | 9.36% | 9.73% | 9.46% | -26 bps | |
| Total Risk-Based Capital | 16.37% | 15.52% | 15.78% | 16.48% | 16.91% | 15.35% | 15.72% | 15.59% | -89 bps | |
| Equity / Assets | 7.48% | 6.23% | 6.74% | 7.31% | 8.19% | 7.38% | 7.59% | 7.62% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.99% | 67.07% | 65.88% | 64.56% | 68.92% | 69.00% | 69.57% | 71.01% | +645 bps | |
| Liquid Assets / Assets | 2.33% | 2.33% | 2.24% | 2.21% | 1.89% | 2.04% | 1.33% | 1.66% | -55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 210% | 248% | 242% | n/a | n/a | |
Sacramento, KY · Cert 8762 · Peer group: banks under $1B in assets (n=581-629) · Sacramento Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.75%
Rank 105 of 629
Net Interest Margin
3.94%
Rank 186 of 629
Efficiency Ratio
50.25%
Rank 76 of 629
Equity / Assets
7.62%
Rank 573 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.75% | 0.60% | 1.01% | 1.45% | Beats 83% | 105 / 629 | ||
| Return on Equity | 22.95% | 5.38% | 9.30% | 13.28% | Beats 95% | 30 / 629 | ||
| Net Interest Margin | 3.94% | 3.03% | 3.54% | 4.05% | Beats 70% | 186 / 629 | ||
| Efficiency Ratio | 50.25% | 58.35% | 67.79% | 79.08% | Beats 88% | 76 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.09% | 0.46% | 1.20% | Beats 37% | 368 / 581 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 33% | 390 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.69% | 11.24% | 13.84% | 18.77% | Beats 57% | 269 / 629 | ||
| Total Risk-Based Capital Ratio | 15.59% | 11.58% | 14.43% | 19.66% | Beats 58% | 263 / 629 | ||
| Equity / Assets | 7.62% | 9.09% | 10.65% | 13.80% | Beats 9% | 573 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.01% | 67.24% | 80.90% | 93.48% | 32nd pctl | 403 / 594 | ||
| Loans / Assets | 64.87% | 53.31% | 67.71% | 78.15% | 44th pctl | 355 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||