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The Sacramento Deposit Bank

$100M-$1B Specialty: Commercial KY FDIC cert 8762

Sacramento, KY

2 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +1.5% year over year ($136.9M on the books).
  • Delinquency rate 0.77%.
  • Return on assets 2.24%.
  • Efficiency ratio 50.25% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

The Sacramento Deposit Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 18.9% in tier
  • + Net Interest Margin 0.39% above tier average
  • + Efficiency Ratio 14.23% below tier average
  • + Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 44.4% in tier
Get updates when The Sacramento Deposit Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $149.8M
+2.1% YoY +0.3% QoQ
-$236.7M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 13.8% in tier
Total Loans ? $96.3M
+11.7% YoY +2.2% QoQ
-$162.0M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $136.9M
+1.5% YoY +0.1% QoQ
-$189.8M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 2.24%
+24.2% YoY +9.0% QoQ
+0.92% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 7.9% in tier
Net Interest Margin ? 4.38%
+9.3% YoY +3.5% QoQ
+0.39% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 50.25%
-10.9% YoY -4.9% QoQ
-14.23% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
83%
Delinquency Rate ? 0.77%
+38.6% YoY -18.4% QoQ
-0.15% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 70.35%
+10.0% YoY +2.1% QoQ
-7.60% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 28.61%
-0.1% YoY -0.6% QoQ
+6.58% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.59%
+83.2% YoY +0.4% QoQ
-0.07% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 14.69%
-5.7% YoY -0.7% QoQ
-1.22% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.20%
+1.8% YoY +101.5% QoQ
-0.37% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 28.6%
0.0pp YoY
-0.2pp QoQ
 +6.5pp 22.1% 23.5% 22.2% 78%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 5.3%
-0.7pp YoY
+0.2pp QoQ
 -6.2pp 11.6% 8.6% 12.5% 22%
CRE 36.6%
+1.2pp YoY
-0.9pp QoQ
 -3.0pp 39.5% 37.1% 41.4% 46%
1-4 Family 36.4%
+1.1pp YoY
+0.2pp QoQ
 +3.8pp 32.6% 41.6% 31.3% 64%
Consumer 7.4%
-1.3pp YoY
0.0pp QoQ
 +3.3pp 4.1% 4.8% 5.0% 87%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 14.7%
-0.9pp YoY
-0.1pp QoQ
 -4.1pp 18.8% 20.2% 19.7% 46%
Leverage Ratio 9.5%
-0.3pp YoY
-0.3pp QoQ
 -2.7pp 12.2% 14.0% 12.6% 20%
Total Capital Ratio 15.6%
-0.9pp YoY
-0.1pp QoQ
 -4.3pp 19.9% 21.3% 20.8% 44%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 18
-1 (-5.3%) YoY
-1 (-5.3%) QoQ
 -41 58 105 482 8%
Assets per Employee ($) $8.3M
+7.7% YoY
+5.9% QoQ
 +$807K $7.5M $6.3M $8.8M 72%
Branch Count 2
0 YoY
0 QoQ
 -3 4 8 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.3% 0.4% 64%
Nonaccrual 0.6%
+0.1pp YoY
-0.2pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 56%
Allowance Coverage 1.22x
-30.9% YoY
+17.9% QoQ
 -22.93x 24.15x 7.45x 20.23x 33%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 29.8%
+3.1pp YoY
+2.3pp QoQ
 +17.6pp 12.2% 13.3% 11.6% 98%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 64%
Net Income ($, YTD) $1.7M
+28.7% YoY
— QoQ
 -$886K $2.6M $5.1M $40.4M 46%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#126 of 661 • Top 18.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.24%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#559 of 1256 • Bottom 44.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.77%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

211
Return on Assets
profitability
Value: 2.24%
Peer Median: 1.32%
#211 of 2643 Top 7.9% in $100M-$1B
462
Efficiency Ratio
profitability
Value: 50.25%
Peer Median: 64.48%
#462 of 2643 Top 17.4% in $100M-$1B
585
Non-Interest-Bearing Deposit Share
funding
Value: 28.61%
Peer Median: 22.03%
#585 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (3 metrics)

2278
Total Assets
size
Value: $149.85M
Peer Median: $386.57M
#2278 of 2643 Bottom 13.8% in $100M-$1B
2184
Total Deposits
size
Value: $136.91M
Peer Median: $326.73M
#2184 of 2643 Bottom 17.4% in $100M-$1B
2184
Total Loans
size
Value: $96.31M
Peer Median: $258.35M
#2184 of 2643 Bottom 17.4% in $100M-$1B
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