Total Assets
$147M
Total balance-sheet footings
FDIC Cert #8762 · Sacramento, Kentucky · Est. 1895
The Sacramento Deposit Bank - FDIC Bank Health Profile
A community-scale look at The Sacramento Deposit Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $147M
- Total assets
- A
- Health grade · Excellent
- 1.76%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
The Sacramento Deposit Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 14.39% Tier 1, profitable at 1.76% ROA, efficient (56% cost ratio).
- #3,378
- largest of 4,313 FDIC banks by assets
- 22nd
- percentile by asset size, nationally
- 14.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 84th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Sacramento Deposit Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Sacramento Deposit Bank's composite health score
Tier 1 Capital Ratio (14.39%) 35/40
Return on Assets (ROA) (1.76%) 25/25
Texas Ratio (4.54%) 20/20
Efficiency Ratio (55.62%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$135M
Customer-funded liabilities
Net Loans
$92M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Sacramento Deposit Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Sacramento Deposit Bank's score of 92/100 falls in the highlighted band.
The Sacramento Deposit Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Sacramento Deposit Bank's $147M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.39%
Texas Ratio
4.54%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
84th percentile nationally
1.76%
Return on Equity (ROE)
24.54%
Efficiency Ratio
55.62%
What the numbers say about The Sacramento Deposit Bank
The Sacramento Deposit Bank is an FDIC-insured institution (Certificate #8762) headquartered in Sacramento, Kentucky, established in 1895. It holds $147M in total assets - 3,378th of 4,313 FDIC-insured banks, $135M in customer deposits, and $92M in net loans. On safety, its Tier 1 capital ratio of 14.39% is above the 10% well-capitalized threshold, and its Texas Ratio of 4.54% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Sacramento Deposit Bank ranks 95th of 120 banks based in Kentucky -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$563K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Sacramento Deposit Bank reports a Texas Ratio of 4.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Sacramento Deposit Bank (FDIC Cert #8762) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is The Sacramento Deposit Bank's health grade?▼
The Sacramento Deposit Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Sacramento Deposit Bank?▼
The Sacramento Deposit Bank holds $147M in total assets and $135M in deposits, ranking 3,378th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sacramento, Kentucky.
Is my money safe at The Sacramento Deposit Bank?▼
Yes, deposits at The Sacramento Deposit Bank (Certificate #8762) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Sacramento Deposit Bank's Tier 1 Capital Ratio?▼
The Sacramento Deposit Bank has a Tier 1 Capital Ratio of 14.39%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Sacramento Deposit Bank?▼
The Sacramento Deposit Bank has a Texas Ratio of 4.54%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Sacramento Deposit Bank?▼
The Sacramento Deposit Bank has an Efficiency Ratio of 55.62%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Sacramento Deposit Bank's profile as a depositor or analyst.
- The Sacramento Deposit Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Sacramento Deposit Bank against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.