The Sacramento Deposit Bank
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Data as of · sourced from FFIEC call reports. How we update
The Sacramento Deposit Bank is an FDIC-insured commercial bank headquartered in Sacramento, KY, established in 1895 (FDIC certificate 8762), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $149.8M, up 2.1% from Q2 2025, the 95th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 14.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8762
- Headquarters
- Sacramento, KY
- Established
- 1895
- Total assets, Q2 2026
- $149.8M
- Assets vs Q2 2025
- +2.1%
- CET1 ratio, Q2 2026
- 14.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 083905902
- Latest call report
- Q2 2026, FFIEC 051 · The Sacramento Deposit Bank call report
- Holding company
- SACRAMENTO BANCORP
- Asset rank in state
- 95th of 120 in Kentucky
The Sacramento Deposit Bank is one of the more profitable banks of its size. Based in Sacramento, Kentucky, it had $150 million in assets at June 30, 2026, up 2.1% from a year earlier. It earns about $2.34 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size. Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $906,000, 33% above the same quarter a year earlier. Over the same year, loans grew 11.7% and deposits grew 1.5%. Where it has less room is capital: it funds 9.46% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Sacramento Deposit Bank reported a CET1 capital ratio of 14.69%, a return on assets of 2.34%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 7.23%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, The Sacramento Deposit Bank is the 95th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $149.8M, loans rose 2.2% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 30.9%. The FDIC Summary of Deposits lists 2 offices for it, in Sacramento, KY and Caneyville, KY; its Sacramento office books 65% of its branch deposits. On its Q2 2026 call report, The Sacramento Deposit Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 335 Main St, Sacramento, KY 42372
- County
- Mclean
- Metro Area
- Owensboro, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $136.9M
- Allowance for credit losses
- $900K
- Net charge-offs (YTD)
- $33K
- Average total assets
- $155.1M
- Average total loans
- $96.5M
- Average interest-bearing deposits
- $98.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8762
- Fed RSSD
- 180144
- Website
- www.sdbweb.com →
- Parent Holding Company
- SACRAMENTO BANCORP (RSSD 1133923)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Sacramento Deposit Bank's total assets moved between a low of $135.9M (Q2 2024) and a high of $149.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$149.8M total assets against $146.8M; $138.4M total liabilities against $136.1M.
$96.3M net loans and leases against $86.2M; $136.9M total deposits against $134.8M.
$40.5M securities against $41.6M; $6.9M cash and balances due against $13.2M.
$2.3M total interest income against $2.1M; $665K total interest expense against $695K.
$1.6M net interest income against $1.4M.
$149K total noninterest income against $146K; $831K total noninterest expense against $836K.
$0 provision for credit losses against $0.
$906K net income against $683K.
2.34% return on assets against 1.83%; 4.41% net interest margin against 3.98%.
14.69% CET1 capital ratio against 15.58%; 9.46% tier 1 leverage ratio against 9.73%.
Inside the full The Sacramento Deposit Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Sacramento Deposit Bank rankings
Its closest position to the top of a national ranking is 231 of 3,611, for ROA; its furthest is 3,300 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.31% (Q4 2025) to 2.34% (Q2 2026) and its net interest margin ran from 3.70% (Q3 2024) to 4.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.69% | 2.34% | 0.76% | 7.23% | 4.41% |
| Q1 2026 | 14.79% | 2.03% | 0.93% | 7.22% | 4.24% |
| Q4 2025 | 14.39% | 1.31% | 0.57% | 4.55% | 4.24% |
| Q3 2025 | 16.03% | 2.04% | 0.52% | 3.69% | 4.26% |
| Q2 2025 | 15.58% | 1.83% | 0.55% | 4.12% | 3.98% |
| Q1 2025 | 14.88% | 1.69% | 0.36% | 2.99% | 3.92% |
| Q4 2024 | 14.59% | 1.36% | 0.45% | 4.13% | 3.81% |
| Q3 2024 | 15.53% | 1.65% | 0.49% | 3.76% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Sacramento Deposit Bank | Sacramento , KY | 42372 | $88.4M |
| Caneyville Branch | Caneyville , KY | 42721 | $48.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 27, 2016 | Structure Change | Acquired Bank of Caneyville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 113 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $276K approved, $276K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Sacramento Deposit Bank
What are The Sacramento Deposit Bank's total assets?
As of the Q2 2026 filing, The Sacramento Deposit Bank reported total assets of $149.8 million in its FFIEC call report.
Where is The Sacramento Deposit Bank headquartered?
It is headquartered in Sacramento, KY, United States.
When was The Sacramento Deposit Bank founded?
It was established in 1895, per the FDIC institution directory.
Is The Sacramento Deposit Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Sacramento Deposit Bank?
The Sacramento Deposit Bank's primary federal regulator is the FDIC.
What is The Sacramento Deposit Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Sacramento Deposit Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Sacramento Deposit Bank's Texas Ratio?
Its Texas Ratio is 7.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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