The Sacramento Deposit Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Sacramento Deposit Bank of Sacramento, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.34% | 1.34% | +1.00% | 92nd top |
| ROAE | 31.85% | 13.31% | +18.54% | 98th top |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 47.19% | 61.14% | -13.95% | 86th top |
| PPNR / Avg Assets | 2.34% | 1.68% | +0.66% | 85th top |
| Yield on Earning Assets | 6.23% | 5.67% | +0.56% | 78th top |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 42nd below |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.57% | 0.94% | -0.37% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.47% | 0.70% | -0.23% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.16% | -0.09% | 23rd bottom |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) | 162.45% | 1538.89% | -1376.44% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.23% | 7.33% | -0.10% | 30th below |
| Provision / NCO | 0.00% | 1395.80% | -1395.80% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.69% | 19.50% | -4.81% | 46th below |
| Tier 1 Ratio | 14.69% | 19.54% | -4.85% | 46th below |
| Total Capital Ratio | 15.59% | 20.62% | -5.03% | 43rd below |
| Leverage Ratio | 9.46% | 12.14% | -2.68% | 21st bottom |
| Equity / Assets | 7.62% | 11.37% | -3.75% | 10th bottom |
| TCE / Tangible Assets | 7.62% | 11.09% | -3.47% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.01% | 80.64% | -9.63% | 69th above |
| Core Deposit Ratio | 91.19% | 86.86% | +4.33% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.07% | 6.85% | -4.78% | 33rd below |
| Loan Growth (Y/Y) | 11.68% | 7.90% | +3.78% | 79th top |
| Deposit Growth (Y/Y) | 1.54% | 6.29% | -4.75% | 32nd below |
See The Sacramento Deposit Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Sacramento Deposit Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Sacramento Deposit Bank profile, how to read a UBPR, or how this data updates.