🏦Bank Scorer

THE SACRAMENTO DEPOSIT BANK

SACRAMENTO, KY · Supervised by FDIC

Est. 1895FDIC #8,762RSSD: FDIC-8762
Part ofSACRAMENTO BCORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.06%

Institution Profile

FDIC BankFind

Address

335 Main St, SACRAMENTO, KY

County

Mclean County

Established

January 1, 1895

Total Assets

$149M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$149M

Total Deposits

$137M

Net Loans

$94M

Net Income

$763K

ROA

2.06%

ROE

27.53%

Risk-Based Capital

15.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.11%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$135M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247384.93%4.11%
20238087.5%3.75%
20228693.02%2.33%
20208987.64%4.49%
20198182.72%7.41%
20188578.82%11.76%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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