# SACRAMENTO DEPOSIT BANK
SACRAMENTO, KY · FDIC certificate 8762 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $149.8M | |
| Deposits | $136.9M | |
| Loans and leases | $97.2M | |
| Total equity | $11.4M | |
| Loans / deposits | 70.35% (p45 of band) | 73.59% |
| Liquid assets / assets | 31.63% (p48 of band) | |
| Uninsured deposits / deposits | 8.60% (p10 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.46% (p17 of band) | 11.76% |
| Unrealized securities loss / equity | -28.75% (p14 of band) | -6.57% |
| AOCI / equity | -1.18% (p24 of band) | |
| ROA (annualized) | 2.24% (p90 of band) | 1.17% |
| Net interest margin | 4.38% (p71 of band) | 3.93% |
| Efficiency ratio | 50.25% (p14 of band) | |
| Noncurrent loans | 0.76% (p64 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p79 of band) | |
| Reserve coverage of noncurrent | 122.12% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 37.99% (p71 of band) | |
| Auto loans | $5.6M (5.77% of loans; DQ 1.28%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 1 | deposits shrinking | uninsured deposits leaving |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 1 | deposits shrinking | charge-offs p90 |
| 2016-12 | 0 |  | deposits shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent, charge-offs p90 |
| 2018-09 | 3 | reserve under noncurrent |  |
| 2018-12 | 1 |  | deposits shrinking, assets shrinking |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity, reserve under noncurrent | capital falling |
| 2022-09 | 2 |  | reserve under noncurrent |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | reserve under noncurrent |  |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 2 |  | reserve under noncurrent |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | uninsured deposits leaving |  |
| 2026-06 | 0 |  | uninsured deposits leaving |

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

- 2022-05-08 [Mary Kathleen Logan Obituary May 8, 2022 - Newcomer Kentuckiana](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1RTjNyVGdpUDNzcDlXVkpFV2lxY1FIdWxDOVNOOXpVZHNWMU9HOXFKMXlVLU1Ra1ljcmRId1NVQlNwU2VmLXNNUnFOV0FSWkMyUzYzZ2ItdGFuN2dBaXVCaUtfZ2xtSDVD?oc=5) · Newcomer Kentuckiana
- 2023-06-01 [Jerry Kimmel - The Owensboro Times](https://news.google.com/rss/articles/CBMib0FVX3lxTE9PSTdoeUVVSU9SYlE3S29vUkE3OUM4VkxucUppY01JVEM4TmtwTEJVQ1NJam5QeFl4THdPSjJBM0twdE5PVm9lNGNxYXZXMFlUeUJBZzFJNmVxS3BCTXEyQWNaWU9hSi1GZnk4aWJUMA?oc=5) · The Owensboro Times
- 2023-08-25 [Deeds - Beech Tree News](https://news.google.com/rss/articles/CBMickFVX3lxTE5KdWR0c05DcHRmVVJIOWM2djNFalIycmVOaG1ZMnNyMVBJeFM2UWlsMXZEQ2RYTEVoS00zdmhKVjZPNlNUX21VMlVDNjNScjB2WWdCQjVuZXd6OXFvY015bmcydDNoaTRsdFZiQ0JReTlTZw?oc=5) · Beech Tree News
- 2024-12-09 [Livermore Women's Club holding monthly meetings - Messenger-Inquirer](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNVmI3Q3JPQ2ZVQUp2MllqaWxURWVYNW5yUDBLaTdoYTlVcFlLeTg4XzlycTV3TmZFT1JIaklFRjFaTTVveW1xbDRUUk43OVVyV0l4UTVPbUZVamJTVl9KQldKYjFpQlNHdnpxVGluNjBWZmRXSHNwd29TU2FDa3g2cENZY0NlWTd6bXoxQndyUlRKQnh1WlgzYzV5V3o0ZHlNdUVMcm9SeXBXU3Y1VURqOV9QUW9MaUVZczBqOUt5clotRnFtZV9rRGNRZHBEYVZIYW9BWTdYT3lISjRYMGZaVWtTSy1RTEJtUFln?oc=5) · Messenger-Inquirer
- 2022-04-21 [Carol Martin 'Bill' Gatton Obituary (2022) - Livermore, KY - Muster Funeral Home Calhoun Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMzVfYi11WHJ5X3RnbmtNQV9jb1pRYThreDVMYUcxUGxWZlFsWFlxTFJ1bGFmeWgyWmpRTHU1LXZLaUxmWFU1c3Nxa3NaTGVRTS1sb2ZqQ0VsQ1gyczdzeEZrRmQ3d3l6Ym9EbmFxdTUxemxZU1l6eVNDcW51WlJXc2ZpUmw4cXpYbmlhc0NrWU8?oc=5) · Legacy obituary
- 2023-03-19 [W.E. "Bill" Quisenberry, Jr. - The Owensboro Times](https://news.google.com/rss/articles/CBMifkFVX3lxTFBzdzVwaGxyLXhOV29VTVBfQUp6YmRRN0FzQndyODFxVkVVLUVlSlh3S3RIa1RkbnZtVFRScjJwOGN4VVR5Z1FuQlpXME9nd3F5OUZvSkVhclc4akhLdGc5eFNjbEN1Y3hQbEQ0dXhqQXA1ZHoxM1B6WTRJY1hiQQ?oc=5) · The Owensboro Times
- 2025-08-15 [McLean County Stands Strong for Nate Englehardt - WBKR 92.5](https://news.google.com/rss/articles/CBMiV0FVX3lxTFBOTFAxNWRaVzZua3NHeWI1dDJpSzU0bUdHX0lCaWZZdnRDanFJTzZUeDBSeVpRRU5kU25NdmRGbUEzTHh4MXdvQ0RQRDllbWtCZ2dGdTFTdw?oc=5) · WBKR 92.5
- 2018-06-08 [Deeds - Beech Tree News](https://news.google.com/rss/articles/CBMickFVX3lxTE43cjAwRGgyQ1NIU2k4bWljbDBvVThNTGM5a3ZWSlpHR2E3aTVEblh0Y0FsYy1naU83RU1Qa0pFSlBPRFA4YXl3UWxFUUdVY3hobHhGWF8zZk9KclYxOGlSdHVERFA2NE95ZHptMVFYQUlsZw?oc=5) · Beech Tree News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8762 (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/58.json (key "8762", 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