The Sacramento Deposit Bank
Sacramento, KY
IDRSSD: 180144
Total Assets
$146.97M
Latest filing
Total Deposits
$134.86M
Latest filing
Net Interest Margin
4.27%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Sacramento Deposit Bank
335 Main St
Sacramento, KY 42372
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1895FDIC Certificate 5578
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Sacramento Deposit Bank (Main) | 335 Main St | Sacramento, KY |
| CANEYVILLE BRANCH | 102 N Main St | Caneyville, KY |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1895 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42372 |
| State and County Number | 21149 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Owensboro, KY |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.sdbweb.com |
| Data Updated | 01/30/2026 |
| CERT | 8762 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $146.97M |
| Total Deposits | $134.86M |
| Total Liabilities | $136.13M |
| Total Equity Capital | $10.84M |
| Net Income | $488.00k |
| Net Loans and Leases | $92.12M |
| Assets Per Employee ($Millions) | $7.35M |
| Bank Premises and Fixed Assets | $853.00k |
| Cash and Balances due from Depository Institutions | $3.91M |
| Deposits Held in Domestic Offices | $134.86M |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 17.18% |
| Net Interest Margin | 4.27% |
| Efficiency Ratio | 57.27% |
| Tier 1 Risk-Based Capital Ratio | 14.392% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.376% |
| Earning Assets to total Assets | 94.07% |
Income and Expense
| Total Interest Income | $2.14M |
| Total Noninterest Income | $146.00k |
| Total Interest Expense | $679.00k |
| Total Noninterest Expense | $922.00k |
| Net Interest Income | $1.46M |
| Pre-tax Net Operating Income | $588.00k |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.71M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.27M |
| Total Liabilities and Capital | $146.97M |
Securities
| Securities | $41.42M |
| Available-for-sale debt securities | $39.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Sacramento Deposit Bank?
$146.97M as of the latest filing.
How much are The Sacramento Deposit Bank's total deposits?
$134.86M in total deposits.
Where is The Sacramento Deposit Bank located?
Sacramento, KY.
What is the Net Interest Margin?
4.27%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1895.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$92.12M (latest filing).
What is the total interest income (latest filing)?
$2.14M.