Sacramento Deposit Bank, The
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
$149.8MAssets
$97.2MLoans
$136.9MDeposits
$11.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks under $1B in assets (rank 30 of 629).
- Widest gap: equity / assets trails 91% of banks under $1B in assets (rank 573 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 88% of banks under $1B in assets | 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 |