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 | |