The Sacramento Deposit Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Equity capital to average assets edged down by 0.19 percentage points, from 7.55% to 7.36%, the largest move among the key lines here. Within Kentucky, The Sacramento Deposit Bank is 37th of 69 on CET1 ratio, 14.69% as of Q2 2026, below the middle of the field. At 14.69%, The Sacramento Deposit Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 15.59% |
| Tier 1 leverage ratio | 9.46% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $14.7M |
| Tier 1 capital | $14.7M |
| Total risk-based capital | $15.6M |
| Total equity capital | $11.4M |
| Risk-weighted assets | $99.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.62% |
| Tangible equity to tangible assets | 7.62% |
| Equity capital to average assets | 7.36% |
| Internal capital growth rate | 2.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $6.0M |
| Retained earnings | $7.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.48% | 15.48% | 16.32% | 10.41% | $90.1M |
| Q4 2023 | 14.27% | 14.27% | 15.20% | 9.67% | $91.3M |
| Q1 2024 | 14.50% | 14.50% | 15.36% | 9.72% | $91.8M |
| Q2 2024 | 15.18% | 15.18% | 16.03% | 10.14% | $90.4M |
| Q3 2024 | 15.53% | 15.53% | 16.37% | 10.35% | $91.1M |
| Q4 2024 | 14.59% | 14.59% | 15.52% | 9.68% | $91.8M |
| Q1 2025 | 14.88% | 14.88% | 15.78% | 9.56% | $93.6M |
| Q2 2025 | 15.58% | 15.58% | 16.48% | 9.73% | $93.3M |
| Q3 2025 | 16.03% | 16.03% | 16.91% | 10.23% | $95.0M |
| Q4 2025 | 14.39% | 14.39% | 15.35% | 9.36% | $97.0M |
| Q1 2026 | 14.79% | 14.79% | 15.72% | 9.73% | $98.7M |
| Q2 2026 | 14.69% | 14.69% | 15.59% | 9.46% | $99.9M |
The Sacramento Deposit Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Sacramento Deposit Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Sacramento Deposit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8762) · FFIEC NIC profile (RSSD 180144)