Headquartered in Sacramento, Kentucky, The Sacramento Deposit Bank is a state-chartered bank with $149.8M in total assets and $136.9M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1895.
The Sacramento Deposit Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 53rd. Earnings contributes the most (100/100, 2.24%); capital cushion contributes the least (45/100, 9.46%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (77 → 74), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 77 |
| Q4 2024 | 75 |
| Q1 2025 | 77 |
| Q2 2025 | 77 |
| Q3 2025 | 79 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.14% |
| Q3 2024 | 10.35% |
| Q4 2024 | 9.68% |
| Q1 2025 | 9.56% |
| Q2 2025 | 9.73% |
| Q3 2025 | 10.23% |
| Q4 2025 | 9.36% |
| Q1 2026 | 9.73% |
| Q2 2026 | 9.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.36% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.53% |
| Q3 2024 | 1.57% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.81% |
| Q3 2025 | 1.91% |
| Q4 2025 | 1.76% |
| Q1 2026 | 2.06% |
| Q2 2026 | 2.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $149.8M | 9.46% | 0.76% | 2.24% | 70.3% |
| Q1 2026 | 74 | $149.4M | 9.73% | 0.93% | 2.06% | 68.9% |
| Q4 2025 | 74 | $147.0M | 9.36% | 0.57% | 1.76% | 68.3% |
| Q3 2025 | 79 | $145.1M | 10.23% | 0.52% | 1.91% | 68.3% |
| Q2 2025 | 77 | $146.8M | 9.73% | 0.55% | 1.81% | 63.9% |
| Q1 2025 | 77 | $144.9M | 9.56% | 0.36% | 1.73% | 65.3% |
| Q4 2024 | 75 | $139.1M | 9.68% | 0.45% | 1.51% | 66.4% |
| Q3 2024 | 77 | $139.0M | 10.35% | 0.49% | 1.57% | 66.4% |
| Q2 2024 | 76 | $135.9M | 10.14% | 0.42% | 1.53% | 67.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hyden Citizens BankBank Hyden, KY | 73 out of 100, Strong | $148.6M | 9.2% | 0.54% | vs |
| Independent Correspondent Bankers' Bank, Inc.Bank Frankfort, KY | 69 out of 100, Moderate | $151.4M | 13.2% | 0.99% | vs |
| The Peoples BankBank Taylorsville, KY | 74 out of 100, Strong | $145.0M | 10.8% | 0.97% | vs |
| Bank of Cadiz and Trust CompanyBank Cadiz, KY | 74 out of 100, Strong | $142.9M | 9.1% | 0.00% | vs |
| Commonwealth Community Bank, Inc.Bank Hartford, KY | 83 out of 100, Strong | $157.7M | 14.7% | 0.24% | vs |
| Bank of BuffaloBank Buffalo, KY | 69 out of 100, Moderate | $140.5M | 9.8% | 0.69% | vs |
Deposit insurance
Is my money safe at The Sacramento Deposit Bank?
Yes. The Sacramento Deposit Bank is an FDIC-insured institution (FDIC certificate #8762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.6% of deposits ($11.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.46%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.59% (benchmark: 10%).
2 locations
Branches
The Sacramento Deposit Bank lists 2 offices in 2 cities. Most locations:
- Caneyville, KY (1)
- Sacramento, KY (1)
Identity & history
Profile
- Legal name
- The Sacramento Deposit Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8762
- RSSD ID
- 180144
- Primary regulator
- FDIC
- Holding company
- Sacramento Bcorp
- Established
- January 1, 1895
- Headquarters
- 335 Main St, Sacramento, KY 42372
- Website
- www.sdbweb.com
- Employees
- 18
Quick answers
The Sacramento Deposit Bank: common questions
Is The Sacramento Deposit Bank FDIC insured?
Yes. The Sacramento Deposit Bank is an FDIC-insured institution (FDIC certificate #8762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Sacramento Deposit Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Sacramento Deposit Bank ever failed?
There is no failure record for FDIC certificate #8762 in the FDIC failed bank list.
How many branches does The Sacramento Deposit Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sacramento
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Owensboro Federal Credit UnionCredit union Owensboro, KY | 88 out of 100, Very strong | $88.3M | 14.2% | 0.26% | vs |
| Regional Medical Ctr Hopkins Co Emp Federal Credit UnionCredit union Madisonville, KY | 87 out of 100, Very strong | $9.3M | 13.9% | 0.25% | vs |
| Commonwealth Community Bank, Inc.Bank Hartford, KY | 83 out of 100, Strong | $157.7M | 14.7% | 0.24% | vs |
| United Community Bank of West Kentucky, Inc.Bank Morganfield, KY | 78 out of 100, Strong | $524.9M | 11.0% | 0.11% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| The Cecilian BankBank Cecilia, KY | 77 out of 100, Strong | $1.6B | 11.0% | 0.40% | vs |