B
The Sacramento Deposit Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Sacramento Deposit Bank
Sacramento, KY
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Rating B
Asset Quality Index 6.80
Capitalization Index 8.90
Liquidity Index 2.80
Profitability Index 7.50
Stability Index 6.10
Company Info The Sacramento Deposit Bank
Sacramento, KY
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FDIC Number 8762
Phone Number (270) 736-2212
Website www.sdbweb.com
Asset Quality The Sacramento Deposit Bank
Sacramento, KY
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1-Year Asset Growth 4.39%
5-Year Asset Growth 5.08%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 2.92%
Non-Performing Loans to Loans 0.37%
Balance Sheet The Sacramento Deposit Bank
Sacramento, KY
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Total Assets 145.10M
Total Deposits 131.77M
Capital and Reserves The Sacramento Deposit Bank
Sacramento, KY
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Capital 11.88M
Leverage Ratio 10.23
Loan Loss Reserves to Loans 0.92%
Risk-Based Capital Ratio 16.91
Liquidity The Sacramento Deposit Bank
Sacramento, KY
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Hot Money Ratio 35.68%
Liquidity Ratio 34.24%
Profitability The Sacramento Deposit Bank
Sacramento, KY
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5-Year Return on Average Assets 1.59%
Net Income 2.06M
Net Interest Spread 4.05%
Operating Profit to Average Assets 1.85%
Overhead Efficiency Ratio 55.05%
Return on Assets 1.85%
Return on Equity 26.76%