BlastPoint's Banking Scorecard

The Sacramento Deposit Bank

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

Sacramento, KY

2 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

The Sacramento Deposit Bank has 3 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 38.6% in tier
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 12.44% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.05% above tier average

Get updates when The Sacramento Deposit Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$149.4M +3.1% YoY +1.7% QoQ	-$236.7M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Bottom 14.1% in tier
Total Loans ?	$94.2M +7.7% YoY +2.3% QoQ	-$161.5M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$136.8M +2.0% YoY +1.4% QoQ	-$191.2M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	2.06% +19.1% YoY +16.9% QoQ	+0.79%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 11.3% in tier
Net Interest Margin ?	4.23% +6.2% YoY +1.8% QoQ	+0.30%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	52.84% -8.6% YoY -5.0% QoQ	-12.44%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.94% +158.8% YoY +61.5% QoQ	+0.05%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	68.90% +5.6% YoY +0.9% QoQ	-7.73%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	28.78% -3.1% YoY -0.4% QoQ	+6.76%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.59% +170.4% YoY +62.5% QoQ	-0.05%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	14.79% -0.6% YoY +2.8% QoQ	-1.04%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.10% +2.6% YoY -74.5% QoQ	-0.18%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	50%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#258 of 666 • Top 38.6% in tier

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

Why this signature

Return on Assets: 2.06%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

303

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.27%

#303 of 2664 Top 11.3% in $100M-$1B

563

Non-Interest-Bearing Deposit Share

funding

Value: 28.78%

Peer Median: 22.02%

#563 of 2664 Top 21.1% in $100M-$1B

571

Efficiency Ratio

profitability

Value: 52.84%

Peer Median: 65.29%

#571 of 2664 Top 21.4% in $100M-$1B

Top Weaknesses (3 metrics)

2290

Total Assets

size

Value: $149.41M

Peer Median: $386.08M

#2290 of 2664 Bottom 14.1% in $100M-$1B

2202

Total Deposits

size

Value: $136.78M

Peer Median: $327.97M

#2202 of 2664 Bottom 17.4% in $100M-$1B

2197

Total Loans

size

Value: $94.24M

Peer Median: $255.72M

#2197 of 2664 Bottom 17.6% in $100M-$1B