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The Sacramento Deposit Bank
Sacramento, KY · FDIC Certificate #8762 · Chartered 01/0
Total assets
$149.85M
Total deposits
$136.91M
Total equity
$11.42M
Net loans
$96.31M
Branches (offices)
2
Net income (YTD)
$1.67M
Rank: #3,313 of 4,213 U.S. banks by assets · #95 of 120 in Kentucky. Assets changed 2.1% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.24% |
| Return on equity | 29.81% |
| Net interest margin (YTD) | 4.38% |
| Equity to assets | 7.62% |
| Tier 1 leverage ratio | 9.46% |
| Uninsured deposits (share of deposits) | 8.6% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 70.3% |
| Real estate loans (share of loans) | 84.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $80.86M | 84.0% | |
| Commercial & industrial | $5.12M | 5.3% | |
| Consumer / individual | $7.12M | 7.4% | |
| Construction & development | $4.34M | 4.5% | |
| Agricultural | $4.12M | 4.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.35M | $127.10M | $1.16M | $9.30M |
| Jun 2023 | $132.56M | $123.64M | $1.09M | $7.95M |
| Jun 2024 | $135.90M | $125.08M | $1.05M | $8.77M |
| Jun 2025 | $146.82M | $134.83M | $1.30M | $10.73M |
| Jun 2026 | $149.85M | $136.91M | $1.67M | $11.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $136.91M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $136.91M.
Similar-sized banks
Heritage Bank Of Schaumburg ($149.97M) · The Pineries Bank ($149.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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