The Sacramento Deposit Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 31.41 percentage points higher than in Q1 2026, at 162.45%. On return on assets, The Sacramento Deposit Bank ranks 5th highest among the 119 banks headquartered in Kentucky, at 2.34% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The Sacramento Deposit Bank reported 2.34% on return on assets in Q2 2026, 1.08 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 15.59% |
| Tier 1 leverage ratio | 9.46% |
| Equity capital to assets | 7.62% |
| Tangible equity to tangible assets | 7.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.57% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 7.23% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 162.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.34% |
| Return on equity | 31.85% |
| Net interest margin | 4.41% |
| Efficiency ratio | 47.19% |
| Yield on earning assets | 6.23% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.01% |
| Core deposits to total deposits | 91.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.36% |
| Securities to assets | 27.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.48% | 15.48% | 16.32% | 10.41% | 1.78% |
| Q4 2023 | 14.27% | 14.27% | 15.20% | 9.67% | 0.96% |
| Q1 2024 | 14.50% | 14.50% | 15.36% | 9.72% | 1.31% |
| Q2 2024 | 15.18% | 15.18% | 16.03% | 10.14% | 1.77% |
| Q3 2024 | 15.53% | 15.53% | 16.37% | 10.35% | 1.65% |
| Q4 2024 | 14.59% | 14.59% | 15.52% | 9.68% | 1.36% |
| Q1 2025 | 14.88% | 14.88% | 15.78% | 9.56% | 1.69% |
| Q2 2025 | 15.58% | 15.58% | 16.48% | 9.73% | 1.83% |
| Q3 2025 | 16.03% | 16.03% | 16.91% | 10.23% | 2.04% |
| Q4 2025 | 14.39% | 14.39% | 15.35% | 9.36% | 1.31% |
| Q1 2026 | 14.79% | 14.79% | 15.72% | 9.73% | 2.03% |
| Q2 2026 | 14.69% | 14.69% | 15.59% | 9.46% | 2.34% |
The Sacramento Deposit Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Sacramento Deposit Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)