The Sacramento Deposit Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 60.1% lower than in Q1 2026, at $2.7M. Within Kentucky, The Sacramento Deposit Bank is 97th of 120 on loan-to-deposit ratio, 71.01% as of Q2 2026, below the middle of the field. The Sacramento Deposit Bank reported 71.01% on loan-to-deposit ratio for Q2 2026, 9.83 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.4M |
| Fed funds sold and reverse repos | $2.7M |
| Fed funds sold and reverse repos to assets | 1.77% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.01% |
| Net loans and leases to deposits | 70.35% |
| Loans and leases to core deposits | 77.87% |
| Core deposits to total deposits | 91.19% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 67.94% | 94.06% | $4.6M | $0 |
| Q4 2023 | 67.18% | 93.22% | $1.8M | $0 |
| Q1 2024 | 65.69% | 92.76% | $0 | $0 |
| Q2 2024 | 67.61% | 92.63% | $879K | $0 |
| Q3 2024 | 66.99% | 91.30% | $0 | $0 |
| Q4 2024 | 67.07% | 91.72% | $0 | $0 |
| Q1 2025 | 65.88% | 90.00% | $0 | $0 |
| Q2 2025 | 64.56% | 89.83% | $0 | $0 |
| Q3 2025 | 68.92% | 91.78% | $0 | $0 |
| Q4 2025 | 69.00% | 91.92% | $0 | $0 |
| Q1 2026 | 69.57% | 91.29% | $0 | $0 |
| Q2 2026 | 71.01% | 91.19% | $0 | $0 |
The Sacramento Deposit Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Sacramento Deposit Bank, freeSource: Call Report Schedules RC and RC-M, 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)