The Sacramento Deposit Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.17 percentage points to 4.41%. The Sacramento Deposit Bank ranks 26th of 119 Kentucky banks on net interest margin, in the upper half at 4.41% (Q2 2026). The Sacramento Deposit Bank reported 4.41% on net interest margin for Q2 2026, 0.46 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.23% |
| Yield on loans | 7.82% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $665K |
| Interest expense on deposits | $665K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.23% | 1.46% | 3.82% | 6.78% | 2.70% |
| Q4 2023 | 5.17% | 1.76% | 3.48% | 6.63% | 2.70% |
| Q1 2024 | 5.43% | 1.95% | 3.53% | 6.96% | 2.71% |
| Q2 2024 | 5.82% | 2.06% | 3.84% | 7.54% | 2.73% |
| Q3 2024 | 5.77% | 2.17% | 3.70% | 7.42% | 2.70% |
| Q4 2024 | 5.95% | 2.20% | 3.81% | 7.52% | 2.86% |
| Q1 2025 | 5.86% | 2.01% | 3.92% | 7.50% | 2.80% |
| Q2 2025 | 5.96% | 2.06% | 3.98% | 7.66% | 2.95% |
| Q3 2025 | 6.17% | 2.04% | 4.26% | 7.92% | 2.96% |
| Q4 2025 | 6.17% | 2.04% | 4.24% | 7.82% | 2.97% |
| Q1 2026 | 6.09% | 1.93% | 4.24% | 7.63% | 2.91% |
| Q2 2026 | 6.23% | 1.93% | 4.41% | 7.82% | 3.07% |
The Sacramento Deposit Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Sacramento Deposit Bank, freeSource: Call Report Schedules RI and RC-K, 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)