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Sacramento Deposit Bank, The

Sacramento, KY · Cert 8762 · Sacramento Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$149.8MAssets
$97.2MLoans
$136.9MDeposits
$11.4MEquity
Loan mix
87%RE $79.7M5%C&I $4.8M8%Consumer $7.0MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $97.7M29%Noninterest $39.2MQ2 2025Q2 2026

NIM

5.44%Q2 ’245.42%Q2 ’255.64%Q2 ’26+2%+10%

Non-interest income vs. expense

2.39%Q2 ’242.24%Q2 ’252.17%Q2 ’26-6%-4%

Market Position · Owensboro, KY · 2026 SOD (annual) · 2.7% share · #9 of 14 inst. · $0.1B of $3.3B

35.6% McLean
6.6% Grayson

Executive Summary

  • Earnings: ROA of 1.76%, up 34 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.76% of loans (+21 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 9.46%, down 26 bps from a year ago.
  • Funding: loans stand at 71.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.76%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+35 bps YoY

Efficiency Ratio (YTD, annualized)

50.25%-614 bps YoY

Tier 1 Leverage Ratio

9.46%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.50%1.44%1.62%1.76%+34 bps
Return on Equity20.98%21.02%20.12%21.63%23.40%+242 bps
Net Interest Margin3.60%3.73%3.77%3.92%3.94%+35 bps
Efficiency Ratio56.39%55.05%55.62%52.84%50.25%-614 bps
Non-Interest Burden1.86%1.88%1.93%1.89%1.79%-7 bps
Growth
Asset Growth (YoY)8.04%4.39%5.67%3.14%2.07%-597 bps
Loan Growth (YoY)2.93%6.55%7.20%7.75%11.68%+874 bps
Deposit Growth (YoY)7.80%3.57%4.22%2.03%1.54%-626 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.52%0.57%0.93%0.76%+21 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.07%0.07%+5 bps
Allowance / Loans0.97%0.92%1.00%0.96%0.93%-4 bps
Allowance Coverage of NPLs1.8x1.8x1.7x1.0x1.2x-0.5x
Capital
Tier 1 Leverage Ratio9.73%10.23%9.36%9.73%9.46%-26 bps
Total Risk-Based Capital16.48%16.91%15.35%15.72%15.59%-89 bps
Equity / Assets7.31%8.19%7.38%7.59%7.62%+31 bps
Liquidity & Funding
Loans / Deposits64.56%68.92%69.00%69.57%71.01%+645 bps
Liquid Assets / Assets2.21%1.89%2.04%1.33%1.66%-55 bps
CRE / Total Capitaln/a210%248%242%n/an/a