Bank · FDIC insured
Sacramento Deposit Bank
A $149.9M bank headquartered in Sacramento, KY, with 2 branches in Kentucky. Best rates: CDs 3.90% and savings 0.20% APY.
Sacramento Deposit Bank Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#6 of 12 in Owensboro, KY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Sacramento Deposit Bank
Established in 1895, The Sacramento Deposit Bank originally formed to discount and negotiate notes, receive deposits, purchase bonds, and lend money on personal and real security.
The bank built its present facility in 1967 and expanded into Grayson County by acquiring The Bank of Caneyville in 2016.
- Headquarters
- 335 Main St, Sacramento, KY 42372
- FDIC certificate
- 8762 ↗
Branches
2 branches in Kentucky
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Kentucky
2 branches
Owensboro area · 1
- The Sacramento Deposit BankMain office335 Main St, Sacramento, KY 42372Directions
Caneyville area · 1
- Caneyville Branch102 N Main St, Caneyville, KY 42721Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.46% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.76% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.24% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio9.46%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.76%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.24%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Sacramento Deposit Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.