# BANK OF SACRAMENTO
SACRAMENTO, CA · FDIC certificate 34713 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $468.6M | |
| Deposits | $401.0M | |
| Loans and leases | $267.7M | |
| Total equity | $46.4M | |
| Loans / deposits | 65.86% (p23 of band) | 80.75% |
| Liquid assets / assets | 38.53% (p76 of band) | |
| Uninsured deposits / deposits | 39.19% (p92 of band) | 19.51% |
| Brokered deposits | 14.36% | |
| Wholesale funding | 17.77% (p88 of band) | |
| FHLB advances / assets | 3.41% | |
| Tier 1 leverage | 10.01% (p50 of band) | 10.04% |
| Unrealized securities loss / equity | 8.43% (p96 of band) | 1.00% |
| AOCI / equity | 2.89% (p69 of band) | |
| ROA (annualized) | 0.74% (p37 of band) | 0.89% |
| Net interest margin | 3.43% (p37 of band) | 3.63% |
| Efficiency ratio | 73.85% (p64 of band) | |
| Noncurrent loans | 0.18% (p15 of band) | 0.89% |
| Net charge-offs (annualized) | -0.15% (p2 of band) | |
| Reserve coverage of noncurrent | 726.92% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 24.30% (p38 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 3 | expense ratio p90 | capital falling |
| 2013-06 | 2 |  | expense ratio p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 2 |  | deposits shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-22 [Popular Sacramento dining and bar venue announces temporary closure - FOX40](https://news.google.com/rss/articles/CBMiswFBVV95cUxPVjNnQ2xtRUIyRFp5RGtVZktNcEp6X09ZNmUwZ2lSdnFpVHh6Uy1DYU5TRjN4WUw2bnNYVVVQU0VfXzc2dU1KZHdNMGlpZmphMTZXR0diYkMwZ0F6bUtJRGJrbWJoNXI0Ul85VWtwa0dxWDhRTGtGWGY1eXR3Y3BLUUR2UGw0cXdBb0NVU0lieXdXZ1VtSmxwbjhJZktyV0hreS0yWXZFLTlvcFBTNVpzVmVYNNIBuAFBVV95cUxOUURQQW45WlhQZVhqaC1WN3pJOFhFeENNV1ZrZjRlb3hXMGMwdXBWLW02ajAtRTE5WHUwTHZEVHJ5X1BpZS1vT2FkMGhCSGl3czBweUl3RUNzTUdkbi1tN1RJNFlHSnpYbWtSM1lTaTVSbVRCQXZkYWprUmVIaWVvaXZ4NWtobU0zdDJTQ2lLM0tpeWdTQzZJQmpINE5SNGxERUl6NUdJbzByQ0x1SndWX1JuMGdfU0Yt?oc=5) · FOX40
- 2019-04-15 [Sacramento bank changes name to Merchants Bank of Commerce - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPRXZnS2JmRmtNcjl1M2U0d2pnQnZPOVZTT29XMTFYa21MWUtqRVN5cks3akdmcEhvaXhla3NRckpzVjhQLWRuUDFfWHhzSlB0M1RDWmJtV0tUcGVZWHdHTUFKWU5rNWsyOWpleTNZNFNnS1lackpudVB4UXhBZEc4ZVZQZFRrWWtlOTlOMGVaX21tN0t1Znh1OXVYY09yT0laeUdZT1hxbWhsVGlPamc?oc=5) · The Business Journals
- 2023-01-12 [Joanne Haakinson Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTE84czRHU2EyVmptdTItRTg2ZmVwVUxPMGs0NnotQ3ktVGZVLVFtNXRwT295YjJxU1U5eXB5RGZjSzY0WDk0UThUb21UcnRyTUhfSk11dGhpMlphZ2xXRW5iNjZ2Zno?oc=5) · The Des Moines Register
- 2024-04-06 [Forrest Wright Obituary - Fair Oaks, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPb0ZndXkzYzZpbW9rZVRtLTRMelBEUGZFOTlacDMwZEZIUWVudGlDQ3Fqb1piaVNqLWpNQTZDTXBiTld4WGM4SkxCUEpvekFZMjVROXlGYWJXOWxWUDVYU3ZkTDZGQTNDaTE2bng2eFZwZnZ1UUlWNEZFcW9kZEFKRE5GV2wydw?oc=5) · Dignity Memorial
- 2026-07-01 [Marilyn Rhoden Obituary (1950 - 2026) - Roseville, CA - The Sacramento Bee - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUGpSVUhQNHFkcUllRzdOU2pmTmgxbzdsYnc4eU5Pc0J3VFRrYy1hOE8zUE1wVjkxOTdobmRoOEY4dklZakh4a0o4SFVtdDRKc2c5SVBMQlNKdTFnQ215cGt0OVp4empvS1pqX3FLdTNIZzVwNUhWMFUycWNUTmZ3cHNIUldXaUUyZWJiZA?oc=5) · legacy.com
- 2026-04-09 [Gavin Newsom’s own ‘backyard’ trashed by homeless river camps - New York Post](https://news.google.com/rss/articles/CBMingFBVV95cUxONWxncTlnbmVJM3BsTGZrdkozVVhvaVh3ZTF3TGxWRmx4NFJ2UXhIOGxKRU9HRXdOYVdwVW93TWV5SjNsV3loX1hobHFxdnNVdDMwTERSZ1hXWWs4blhTZlV6amNFdzd0OF9zdnA2dWFOamJJcXBONXV4WXEwUTE3UVZ4dTZTb0ViM3VlWUJpZkk5WFVLRThfeFRJZ1p3QQ?oc=5) · New York Post
- 2018-10-05 [Sacramento's oldest bank to be acquired in $37 million deal - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxONnJXazZRVk5YcXh6ZmZwXzNTUjZ6YS1PUGFHYjFNakNMb2FyTEIwbThlRUZ1azZUV1FackRHVkxjSHMwTDIyR3Y5QzF2WVFTMEd0cnFveUNiMWJybFlqclR6OXpmdnBSY3lpeVJRNlhSemFtcE9ma1FSV0F4ejhvbWhtUmRpMHNmamFqVDUxa1hVOHFDQlk3bXBLTF91b01Va2dDU2E3SQ?oc=5) · The Business Journals
- 2024-01-12 [Barbara Ann Mayberry - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNdjF4a2ptUktzcXBld1JpM2stVVE1dUJ1dENqanRBRTc3ckNmYXFtNXM0dElqS1Zwb2wyM2hMY2tCRXc4azI2THh0WEtqMzJZZ2ZPS3pYeGhnejNMcDBUTGZzbnlpa0dJQWlpZ1VPU21SLUNrX0pFT0F4RXJvb2JuRjhiLUotdU4tYllUM0pGcWt5NHot?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34713 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "34713", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide